NZ Guide To Financial Freedom: Recent Episodes
Ryan J Melton & Greg Moyle
Top NZ Investment Tips for Retirement Planning, Financial Freedom and the Psychological Tools you need to live the life you want.
https://moneyskills.co.nz/
Join my free community for NZ Business Owners ⤵️ https://www.skool.com/advice/I felt paralyzed by social anxiety for years. Until 2014, with $20 to my name, I decided enough was enough.I applied for a commission-only sales job.Either face my fear or don't eat. Here’s what happened next: 2014: Lead a commission-only sales team at Rayven Marketing. Raised ~$2 million in revenue for our clients. 2016: Sold $15,000+ medical devices to strangers door-to-door.2017: Sold 15 funeral insurance policies per week (to people who thought they'd won an iPhone - yes, really). The company I worked for called them 'leads.'2018: Launched the NZ Business Owners podcast. Spotify ranked it as one of the top 5% of podcasts globally.2019: Worked as an Investment Adviser for four years advising on ~$10 million of client’s funds.Today: I've completed 50,000+ sales meetings. Run a commission only marketing agency.I also host a free community for NZ Business Owners. Where you can learn how to get more leads, close more sales, and make your money work harder. Click here to join for free: https://www.skool.com/adviceYoutube Chapters00:00 – Introduction00:30 –EARS Framework00:35– E – Explore the gap (where they are vs. where they want to be)01:30 – A – Ask questions (ready, willing, able to change)02:15 – R – Reflect back and summarise03:30 – S – Strengthen their self-belief04:30 – Wrap-up of EARS05:00– CHAT Framework05:05– C – Cons of staying the same06:45 – H – Highlights of changing07:30 – A – Ability to change (beliefs, strengths, past wins)08:15 – T – Tiny first step (commitments without judgment)10:00 – Wrap-up of CHAT11:00 – RESPONSES Framework11:45 – R – Reframe their resistance13:30 – E – Exaggerate their reasons not to change15:00 – S – Spot the emotions behind their words16:30 – P – Present their reasons for and against change17:15 – O – Offer a story or example18:15 – N – No pressure, it’s their choice20:00 – S – Side with them (so they argue for change)20:45 – E – Extend their point toward change21:45 – S – Simply reflect back and summarise22:45 – Wrap-up of RESPONSES & conclusion
Podcast guest Leigh Paulden business consultant at https://ssbg.co.nz/Chapters00:00 Vision and Strategic Alignment02:57 Purpose and Core Values05:58 Accountability vs. Responsibility08:42 Hiring for Growth12:05 Communicating the Vision14:59 Setting Achievable Goals17:56 Balancing Growth and Delivery
Podcast guest Nicola Edie managing director of https://www.mygreenbookkeeper.co.nz/Chapters00:00 Understanding Non-Profits and Their Financial Challenges02:57 Recruitment and Retention in Non-Profits05:50 Training and Onboarding New Staff09:08 Quality Reporting and Financial Management17:47 Payroll Compliance and Best PracticesTake this FREE quiz to identify the #1 threat to your business: http://findadvice.nz/I felt paralyzed by social anxiety for years—until 2014, with just $20 to my name, I decided enough was enough, and applied for a commission-only sales job.Here’s what happened next: 2014: Lead a commission-only sales team at Rayven Marketing and personally raised ~$2 million in revenue for our clients.2016: Sold Medical Therapy products via trade shows and door to door, that improved circulation, reduced musculoskeletal pain, and enhanced joint mobility.2017: Provided insurance advice as a financial adviser for Momentum Life.2018: Launched the NZ Business Owners podcast, which spotify ranked as one of the top 5% of podcasts globally.2019: Worked as an Investment Adviser with OnePlan For Retirement, advising on ~$10 million of client’s funds.Today: Founded Find Advice, a platform that connects business owners with qualified financial advisors.
Podcast guest Belinda Heunis Chief Business officer of https://www.footprintconnect.co.nz/
Chapters
00:00 The Call to Leadership02:41 Motivating Teams in Challenging Industries05:44 Onboarding and Setting Expectations08:43 Performance Management and Metrics11:50 Incentivizing and Recognizing Contributions14:44 Building a Supportive Team Culture18:04 The Four-Day Work Week20:40 Trust and Accountability in Leadership23:39 Collaboration and Communication26:57 Agile Workflows and Task Management
Podcast guest Ben Sexton Managing Director of https://www.rbrecruitment.co.nz/
Chapters00:00 Building a Strong Company Culture03:29 Lessons from Recruitment Challenges07:27 The Importance of Communication and Trust11:17 Navigating Difficult Conversations17:22 The Balance Between Kindness and Tough Love18:35 The Value of Time in Recruitment19:32 Navigating Difficult Employee Situations21:55 The Importance of Leadership and Environment23:26 Onboarding and Company Culture27:18 Recruitment as Reverse Sales29:28 Building a Personal Network for Recruitment34:14 Aligning Vision and Values for Success
Podcast guest Vincent Naidu https://vincilawyers.com/people/detail/vincent-naidu/Chapters00:00 Understanding Legal Obligations in Business08:59 Choosing the Right Business Structure14:58 The Consequences of Poor Director and Shareholder Choices30:07 The Importance of Shareholder Agreements44:57 Best Practices for Setting Up a Business
Podcast guest Jeremy Paynter http://nymble.co.nz/
Chapters
00:00 Finding Your True North as a Leader02:44 The Importance of Authenticity in Leadership05:57 Navigating Corporate Politics with Authenticity08:51 The Shift from Organizational to Personal Branding11:37 Communicating Your Value Proposition14:47 Creating a Feedback-Driven Environment17:53 Real-Life Transformation: A Case Study
Podcast guest Rich Ellis https://www.f4l.co.nz/
Chapters
00:00 Identifying Burnout in Leadership and Culture
02:44 Managing Energy and Nutrition for Well-being
05:43 The Impact of Mood and Environment on Burnout
08:32 Recognizing Signs of Burnout in Teams
11:54 Understanding Introversion and Extroversion in the Workplace
14:40 The Role of Purpose in Preventing Burnout
17:34 Spirituality and Personal Growth in the Context of Burnout
23:29 Mindfulness in Everyday Tasks
24:14 Philosophical Perspectives on Life
24:55 Meditation and Thought Observation
25:49 Burnout and Career Reflections
28:05 The Impact of Generational Differences
29:08 Finding Balance in Life
30:30 The Illusion of Work-Life Balance
31:19 Small Changes, Big Impact
31:48 The Simplicity of Life's Challenges
34:04 Addressing Workplace Culture
36:02 Identifying Organizational Issues
38:23 The Power of Personal Responsibility
39:42 Closing Thoughts on Fulfillment
Podcast guest Connie Lui https://nztaxprop.co.nz/
Chapters
00:00 Understanding Tax Residency and Overseas Income
03:07 Navigating Voluntary Disclosure and Penalties
06:07 Transitional Residency Status Explained
08:48 Double Tax Agreements: What You Need to Know
11:54 Foreign Investment Fund Rules Demystified
14:45 Tax Implications of Selling Overseas Property
18:01 Intent and Taxation: The Devil in the Details
20:44 Planning Ahead: Managing Overseas Investments
23:52 Calculating Foreign Investment Fund Income
26:49 Final Thoughts on Tax Compliance
Podcast guest Abhi Jagwanihttps://mytaxca.co.nz/
Chapters
00:00 Navigating Rental Property Structures in New Zealand
03:25 Understanding Trusts and Their Protections
06:53 The Role of Companies in Property Investment
12:26 The Bright Line Test Explained
17:19 Best Practices for Managing Rental Properties
25:22 The Reality of Rental Property Income
30:16 Challenges and Risks in Rental Property Investment
Podcast guest Holly Egerton from https://www.succession.nz/https://www.succession.nz/
Chapters
00:00 The Importance of Having a Will
02:45 Understanding Probate and Letters of Administration
05:47 Navigating Joint Accounts and Funeral Expenses
08:54 The Consequences of Dying Without a Will
11:52 Structuring Your Will: Key Considerations
14:53 Executor Responsibilities and Family Dynamics
17:48 Specific Wishes and Gifts in a Will
26:10 Navigating Wills and Residue Distribution
29:45 Understanding Tenants in Common vs. Joint Ownership
32:38 Life Interests and Their Implications
34:18 The Role of Trusts in Estate Planning
37:57 Enduring Powers of Attorney: Importance and Process
44:38 Updating Your Will: When and Why?
Podcast guest Varun Arora http://bizwhiz.co.nz/
Chapters
00:00 Assessing the Right Business to Buy
06:04 Conducting Due Diligence
11:48 Identifying Financial Discrepancies
17:58 Understanding Hospitality Business Metrics
24:59 Benchmarking Costs in Hospitality
30:36 Valuing Hospitality Businesses
34:08 The Importance of Due Diligence
38:24 Navigating the Offer Process
42:11 Post-Purchase Integration and Support
46:26 Challenges in the Hospitality Sector
Podcast guest Adrianne Leslie
Chapters
00:00 Understanding GST Registration and Its Implications
03:06 Navigating GST Returns and Payment Plans
06:05 Consequences of Missing GST Payments
08:51 Liquidation vs. Bankruptcy: Key Differences
12:15 Choosing Between Sole Trader and Company Structure
15:02 Finding the Right Accountant: Tips and Red Flags
18:10 The Role of Trusts in Business and Personal Finance
Podcast guest Sue Kohn-Taylor https://www.thementalfitnesscompany.com/
Chapters
00:00 Understanding Self-Leadership
05:43 Navigating Family Dynamics
11:58 Steps to Improve Self-Leadership
18:00 Using Values to Guide Decisions
23:30 Understanding Foundational Stories
32:08 Identifying Strengths and Weaknesses
37:09 Creating a Ripple Effect in Teams
44:13 Navigating Negative Environments
Podcast guest Paul Foster https://raywhite.co.nz/paul-foster/141820/
Chapters
00:00 Navigating the Real Estate Landscape in New Zealand
02:49 Advertising Strategies for Selling Homes
05:46 Understanding Buyer Behavior and Decision-Making
08:53 Choosing the Right Real Estate Agent
11:53 Commission Structures and Negotiation
14:51 Methods of Sale: Auctions, Tenders, and More
17:50 Confidential Offers and Multi-Offer Scenarios
21:01 Conditional vs. Unconditional Sales
24:16 The Auction Process Explained
28:11 Understanding Reserve Prices in Auctions
30:10 The Role of Auctioneers and Their Impact
32:42 Buyer Engagement and Auction Timing
34:51 Exploring Different Sales Methods
36:49 Factors Influencing Home Buying Decisions
39:53 Types of Property Ownership Explained
42:37 Building Your Real Estate Dream Team
Podcast guest Ralf Kils futurelab.co.nzChapters
00:00 Inefficiencies in the Health Industry
03:03 Legacy Systems and Resistance to Change
06:05 The Role of Technology in Adapting to Change
09:11 Identifying and Automating Repetitive Tasks
12:31 Implementing OCR and AI Solutions
15:17 Creating Efficient Financial Planning Tools
18:11 Custom Solutions vs. Product Development
28:26 Streamlining Patient Management Systems
30:19 The Impact of COVID on Health Digitization
32:47 Reforming GP Booking Systems
35:23 Challenges in Health Data Access
37:12 The Complexity of Health Systems
39:43 The Potential of AI in Healthcare
42:49 The Burden of Administrative Tasks on Doctors
46:49 The Need for Proactive Health Management
52:48 Innovating in Farming and Food Production
Podcast guest Natalie Whelan director of https://www.accassist.kiwi/
Chapters
00:00 Understanding ACC Customization and Benefits
03:23 Cover Plus Extra vs. Standard Cover
06:18 Income Fluctuations and Claim Certainty
09:21 Maximizing ACC Savings and Refunds
12:12 Navigating ACC Access and Administration
15:17 Identifying Overcharges and Mistakes
18:20 Learning and Adapting in ACC Management
27:30 Setting Up Payment Plans
30:27 Navigating ACC Policies and Payment Plans
33:26 Understanding Income Protection vs. ACC
39:38 Challenges for Financial Advisors
44:38 When to Reduce ACC Coverage
50:16 Claims Process and Waiting Periods
Podcast Guest Arran Finlayson Director of The Back Office Co: https://www.tbo.nz/
Chapters
00:00 Streamlining Bookkeeping Processes
05:42 Choosing the Right Software
11:15 Delegation and Team Management
17:30 Effective Recruitment Strategies
23:14 Handling Team Dynamics
30:31 Balancing Remote Work and Team Culture
Greg Kramer is the Creative Director of https://www.partisanadvertising.co.nz/
Chapters
00:00 The Genesis of a Designer's Journey
03:08 The Evolution of Graphic Design
06:14 Understanding Logos and Branding
09:06 The Nature of Creativity and Critique
12:11 The Value of Experience in Design
15:26 Pricing and Perception in Design
18:26 Client Relationships and Expectations
23:07 The Value of Creative Work
25:20 Navigating Client Relationships
29:47 Perceptions of Value in Design
33:19 Defining High-Value Services
37:12 The Role of Project Management in Design
40:07 The Importance of Branding
46:20 Staying Inspired in Creative Work
Podcast guest Stephanie Crawford Founder of https://businessheadspace.co.nz/Chapters
00:00 Choosing the Right Accounting Software
03:34 Maximizing Xero's Potential
06:36 Data-Driven Decision Making
09:40 Understanding Profit and Loss Statements
12:40 Setting Up Your Accounting System
15:36 Cash Flow Management
18:46 Best Practices for Invoicing
21:35 Accounts Receivable and Payable Management
24:20 Recognizing Good Bookkeeping Practices
29:45 The Value of Outsourcing Bookkeeping
31:03 In-House vs. Outsourced Bookkeeping
33:59 Recognizing the Need for a Bookkeeper
37:04 Onboarding and Supporting Bookkeepers
39:05 Understanding Business Reporting Needs
42:44 The Role of Bookkeepers During Crisis
43:45 The Importance of Tracking Financials
44:34 Navigating Payroll Complexity
52:09 Maximizing the Use of Accounting Software
Podcast guest James Rainey is a director and accountant at https://www.sothertons.co.nz/
Chapters
00:00 Navigating Uncertainty in Business
03:16 Understanding Economic Cycles and Business Resilience
06:13 The Impact of Economic Changes on Industries
09:07 Strategies for Managing Business Growth and Challenges
12:28 Forecasting Cash Flow: A Key to Business Success
15:16 Stages of Business Growth and Financial Management
18:14 Leveraging Resources for Business Efficiency
21:16 Understanding Business Expenses and Tax Deductions
31:50 Navigating Business Expenses and Personal Benefits
34:15 Understanding Tax Audits and Compliance
36:10 Industry Comparisons and Financial Metrics
38:17 Pricing Strategies and Market Positioning
44:05 The Complexity of Tax Regulations
50:15 Cryptocurrency and Tax Implications
52:15 Employee Incentives and Tax Considerations
Henrico Kotze is the shareholder of https://www.randrescue.com/
Chapters
00:00 Navigating International Money Transfers
03:44 Understanding South African Pension Funds
06:44 The Process of Transferring Annuities
09:46 Challenges of Non-Resident Accounts
12:41 Cultural Insights on Retirement Planning
15:43 Life in South Africa vs. New Zealand
18:42 Building Trust in International Business
21:39 Marketing and Client Engagement Strategies
Podcast guest Annamaria Berek CEO of https://www.businessboost.nz/home
Chapters
00:00 Journey into Flexibility: Balancing Motherhood and Career
03:06 The Art of Credit Control: Strategies for Success
06:04 Building Relationships: The Human Side of Debt Collection
08:58 Navigating Challenges: The Psychology of Non-Payment
11:43 Establishing Protocols: The Importance of Structure in Business
15:02 Finding Balance: Juggling Career and Motherhood
20:59 Entrepreneurial Spirit: From Craft Markets to Business Growth
26:25 Navigating Complex Event Management
28:22 Filling the Venue: Strategies and Challenges
29:49 The Importance of Marketing in Business
31:26 Transitioning to Business Boost: A New Venture
33:15 Understanding Strategic Bookkeeping
35:52 Analyzing Financial Health: Key Metrics
38:14 Identifying Problems Through Financial Data
40:28 Real-World Examples of Financial Insights
42:10 Using Numbers to Drive Business Decisions
44:11 Creating a Positive Work Environment
46:25 Overcoming Micromanagement in Leadership
48:51 Building Courage to Leave Toxic Environments
52:32 The Role of Personal Development in Business Success
Siosaia Taufa Fifita professional rugby play, accountant, and managing director of https://sba.co.nz/branches/sba-manukau/
Chapters
00:00 The Late Start to Rugby
04:02 Journey Through Rugby in Japan
07:05 Cultural Shock and Adaptation
10:11 Fatherhood and Long-Distance Relationships
13:21 Lessons from Upbringing in Tonga
16:22 Navigating Masculinity and Vulnerability
19:22 Faith, Community, and Mental Health
22:18 Financial Challenges for Rugby Players
29:45 Rugby in Japan: A Cultural Perspective
31:30 Financial Challenges for Rugby Players
33:50 The Importance of Education and Financial Literacy
35:10 Career Transition: From Rugby to Accounting
40:41 Unexpected Opportunities: A Career Change
52:41 Negotiating Contracts: Insights for Rugby Players
Leeyan Stephens Founding member of the institute of Certified NZ Bookkeepers and Director of: https://www.bookassist.nz/
Chapters
00:00 Introduction to Bookkeeping and Favorite Colors
06:53 Understanding the Role of a Bookkeeper
09:48 Essential Tools for Bookkeepers
12:54 The Distinction Between Bookkeepers and Accountants
15:53 Navigating Ethical Boundaries in Bookkeeping
18:45 Building Client Relationships and Trust
21:51 Challenges in the Bookkeeping Profession
24:40 Starting a Career in Bookkeeping
33:06 The Origins of the New Zealand Bookkeepers Association
36:16 Best Practices in Bookkeeping
40:42 Detecting Financial Irregularities
44:59 The Role of a Bookkeeper
54:13 The Value of Accurate Bookkeeping
57:55 Building a Successful Bookkeeping Business
Willie Eyles is a Chartered Accountants for Non-Profits and Director of: https://www.freeuplimited.co.nz/
Chapters
00:00 Understanding Nonprofits: The Basics
02:47 Revenue Streams and Financial Management in Nonprofits
05:36 Accountability and Compliance in Nonprofits
08:51 Ethics and Perception in Nonprofit Fundraising
11:28 Compensation and Value in Nonprofit Leadership
14:41 Ownership and Structure of Nonprofits
23:06 Common Pitfalls in Nonprofit Management
27:52 The Importance of Proper Structure and Compliance
30:58 Successful Revenue Strategies for Nonprofits
37:25 Understanding Donor Psychology and Engagement
44:10 Building Relationships for Long-Term Success
Sarah Brooke is an HR expert and Co-Founder at https://freerangeworks.co.nz/
Chapters
00:00 Intro
03:17 Marketing Strategies: From PR to Cold Calls
06:03 Building Relationships: The Role of PR in Business
09:28 Navigating Challenges: The Impact of Recession on HR
12:26 Empathy in Leadership: Handling Tough Conversations
15:15 Crisis Management: Dealing with Workplace Incidents
18:20 Foundations of HR: Importance of Policies and Agreements
21:31 Cost of Neglect: Financial Implications of Poor HR Practices
23:15 Changing Perceptions: The Role of HR in Organizations
23:37 Building a Care Culture in the Workplace
25:28 Effective Communication and Leadership
29:01 Navigating Workplace Challenges
30:44 Evolving Business Models and Pricing Strategies
34:01 Understanding Financials for Business Success
37:17 Challenges Facing SMEs in 2024
39:46 Creating a Supportive Work Environment
43:22 Incentivizing Employee Performance
Podcast guest Marcus Longone Financial Adviser and Director of https://theinsuranceguy.nz/
Chapters
00:00 The Rise of AI in Insurance
03:09 Automating Administrative Tasks with AI
06:11 Customizing AI for Business Needs
08:58 Integrating AI with Insurance Platforms
12:08 The Importance of Pricing in Insurance
15:17 Navigating Client Consultations
17:59 Building Trust and Value in Advisory Services
30:13 Building Trust and Authority in Insurance
31:53 The Role of AI in Financial Decision Making
34:43 Creating Effective AI Workflows
37:23 Enhancing Client Interactions with AI
41:09 Automating Claims Management
45:47 Streamlining Client Communication and Retention
Ananya Narayan is a financial adviser and director at: https://kiwiananz.com/
Chapters
00:00 The Journey into Insurance
03:18 Understanding Diabetes and Its Impact
06:13 Managing Diabetes: Lifestyle and Medication
09:17 The Role of Thyroid in Health
12:21 Insurance Challenges for Diabetics
15:11 Navigating Insurance Options with Diabetes
18:28 Cultural Perspectives on Diet and Diabetes
21:22 The Importance of Education in Health and Insurance
29:58 Understanding Trauma Cover and Underwriting
36:50 The Importance of Proper Medical Disclosure
39:51 Navigating Insurance as a Migrant in New Zealand
44:31 Cultural Integration and Professional Growth
52:23 Tenancy Disputes and Court Experiences
Podcast guest Pamela Adelekan Founder and Senior Financial Adviser at https://advisenow.co.nz/
Chapters
00:00 Introduction to Financial Services
00:32 The Drive for Financial Freedom
02:47 Understanding Mortgages and Financial Literacy
06:13 Behavioral Aspects of Financial Management
09:26 Personal Financial Strategies and Accounts
12:09 Navigating Shopping and Financial Conversations
15:16 Starting a Business in Financial Advisory
18:57 Marketing and Building a Personal Brand
22:47 Authenticity in Social Media and Handling Criticism
26:40 Navigating Unwanted Attention
30:57 Empowerment Through Self-Respect
33:18 Valuing Your Worth
35:04 The Power of Partnerships
38:00 Building Trust Through Authenticity
46:12 Financial Freedom Tips
Podcast guest Roma Samy Director of : https://www.romaandco.co.nz/
Chapters
00:00 Understanding Financial Literacy Gaps
04:09 Personal Journey and Financial Awareness
06:57 The Role of Financial Advisors
10:08 Navigating Property Investment
12:52 Challenges in Property Management
15:55 The Impact of Personal Circumstances on Financial Planning
18:43 Transitioning to Financial Advisory
21:50 The Importance of Genuine Client Relationships
22:59 Navigating Corporate Values and Personal Business Ethics
24:33 The Importance of Financial Planning
26:15 Realities of Financial Strain During Health Crises
28:28 Insurance and Medical Support: A Lifeline
30:58 The Struggles of Business Owners in Crisis
35:34 The Burden of Business Ownership and Personal Assets
40:27 Empowering Financial Literacy and Planning
46:16 Self-Insurance: Preparing for the Unexpected
Podcast guest Shakeel Lal Director of https://haloadvisers.co.nz/
Chapters
00:00 Humble Beginnings and Resourcefulness
03:13 Navigating School Life and Early Entrepreneurship
06:14 The Move to New Zealand and Cultural Adjustments
09:23 Pursuing Education and Career Aspirations
12:10 Work Experience and Building a New Life
15:20 Transitioning from Architecture to Insurance
18:14 Building Connections and Overcoming Challenges
24:30 Navigating Loss and Grief
28:57 The Awakening to Insurance's Importance
30:14 Facing Tragedy as an Advisor
33:48 Empathy in Client Interactions
35:32 The Impact of Money on Relationships
40:55 Structuring Business Affairs
48:09 Understanding Business Insurance Essentials
Podcast guest Andrew Hendricks director: https://www.hencoz.co.nz/
Chapters
00:00 Growing Up in Africa: A Challenging Childhood
03:10 The Impact of Fatherlessness on Identity
06:12 Finding Purpose: The Turning Point of Fatherhood
09:15 Navigating Early Career Challenges
12:15 From Factory Work to Corporate Success
15:11 Insights from Underwriting: Understanding Risk
22:06 Understanding the Role of Advisors and Underwriters
23:32 Managing Client Expectations in Underwriting
25:19 Building Context for Underwriting Decisions
29:29 Navigating Health Conditions and Insurance Premiums
33:16 The Impact of Insurance on Life and Grief
37:01 The Reality of Serious Illness and Financial Strain
38:49 Personal Experiences with Cancer and Caregiving
45:41 Supporting Families During Health Crises
49:35 Checklist for Choosing the Right Insurance Coverage
Podcast guest Mike Tonks Director of: https://www.rmafinancial.co.nz/team/mike-tonks/
Chapters
00:00 Investing in Business: A Personal Journey
03:32 Navigating Commercial Lending and Initial Investments
06:31 Building Trust with New Clients
09:27 The Importance of Client Relationships
12:26 Evaluating the Right Book of Business
15:16 Maximizing Value in Client Bases
18:42 Marketing Strategies for Young Families
21:17 The Gateway Products in Insurance
24:46 The Dynamics of Health Insurance Marketing
28:08 Understanding Insurance Commissions and Client Needs
31:02 The Importance of Comprehensive Coverage
33:02 Navigating Client Conversations on Affordability
34:40 The Impact of Claims on Client Retention
37:44 The Value of Health Insurance in Critical Situations
40:42 Innovations in Health Insurance Products
43:26 Public Perception of Health Insurance Post-COVID
43:54 Adapting Business Strategies in Economic Downturns
46:40 Leading Through Challenges and Maintaining Morale
Podcast guest Scott Innes Director of https://www.moneymaverick.nz/Chapters00:00 Introduction to Business Models in Finance03:13 Understanding Financial Consulting and EAP Services05:58 Navigating Client Perceptions and Industry Education08:59 The Impact of Life Events on Financial Decisions12:11 Challenges in Financial Planning and Retirement Awareness15:08 Couples and Financial Communication18:11 Tailoring Financial Advice to Individual Needs20:48 The Role of Employers in Financial Well-being24:06 Finding the Right Problem to Solve28:31 Feedback and Client Engagement30:18 Understanding KiwiSaver and Investment Strategies32:45 Navigating Financial Advice and Client Relationships34:35 Structuring Financial Consultations for Better Outcomes37:56 The Importance of Action Points in Financial Planning40:47 Motivation vs. Discipline in Financial Decisions43:43 Breaking Down Financial Barriers and Stigmas46:34 The Need for Financial Literacy in Education
Podcast guest Jamie Norton Financial Adviser at: https://www.rmafinancial.co.nz/team/jamie-norton/
Chapters
00:00 Overview of Business Insurance Options
02:51 Understanding Shareholder Protection
06:07 Key Person Cover Explained
08:53 Group Insurance Schemes for Employees
11:54 The Value of Employee Benefits
15:00 Navigating Group Insurance Policies
17:59 The Role of Advisors in Insurance
20:58 Addressing Employer Concerns
24:03 The Importance of Regular Reviews
26:52 Claiming and Pricing in Group Insurance
29:57 Final Thoughts on Business Insurance
37:42 Navigating Business Ownership After Loss
42:08 Understanding Shareholder Protection Policies
47:01 The Importance of Key Person Insurance
55:02 Income Protection and Business Continuity
59:49 The Role of Insurance in Crisis Management
Podcast guest Avi Kumar Financial Adviser: https://coconutinsurance.co.nz/
Chapters
00:00 The Meaning of Life and Personal Connections
02:50 Cultural Heritage and Identity
06:04 School Life and Bullying Experiences
09:11 Family Responsibilities and Grief
11:58 Navigating Life After Loss
15:07 Understanding Grief and Moving Forward
17:57 Reflections on Love and Relationships
20:58 Dancing Through Life
24:03 Nurturing Long-Term Relationships
24:56 Exploring Relationships and Communication
26:57 Navigating Parenthood and Partnership
29:27 Understanding Mental Health and Masculinity
32:04 The Importance of Emotional Expression
34:16 Empowerment and Self-Discovery
40:10 Finding Purpose and Community
43:01 The Art of Follow-Up and Relationship Building
Podcast guest Nick Sevta Managing Director of https://www.fundr.co.nz
Chapters
00:00 The Art of Cold Outreach
10:29 Navigating Economic Challenges
15:47 Understanding the Lending Landscape
27:14 Navigating Debt and Asset Disposal
30:22 Understanding Interest Rates and Economic Impact
34:08 Securing Funding: The Application Process
39:10 Improving Credit Ratings and Financial Literacy
47:07 Supporting SMEs: The Role of Fundr
Podcast guest Keith Kerr Director of https://www.mysolutions.nz/ and Wealth Adviser at https://www.financialsolutionz.co.nz/
Podcast guest Paul Bate Director of https://simplylife.nz/
Chapters
00:00 Understanding Income Protection
02:54 The Importance of Coverage
05:48 Real-Life Impacts of Illness
08:59 Navigating Claims and Underwriting
11:54 Income Protection vs. Mortgage Protection
14:58 Self-Employed Considerations
17:56 The Role of Trauma and TPD Insurance
20:51 Maximizing Benefits and Coverage
23:55 The Cost of Insurance and Budgeting
26:56 Final Thoughts on Income Protection
Podcast guest Rochelle Carly Co-Founder of https://www.randpinsurance.co.nz/
Chapters
00:00 The Power of Marketing in Financial Advice
02:49 Building a Personal Brand and Niche
05:44 Understanding Your Target Audience
10:11 Navigating Personal Challenges and Resilience
15:08 Health, Wellbeing, and Insurance Education
20:42 Empowering Women and Community Engagement
24:25 Addressing Women's Health Issues
29:08 Overcoming Hyper-Independence in Relationships
32:32 Content Creation and Social Media Strategy
40:12 Team Dynamics and Business Growth
48:33 Preparing for a Career in Financial Advice
Podcast guest Alana Collinson is the operations manager of: https://www.financialindependence.co.nz/
Chapters
00:00 Building a Strong Team Culture
03:02 Hiring for Values vs. Performance
06:00 Creating a Collaborative Environment
08:57 Managing Underperformance and Expectations
12:08 The Importance of Clear Communication
15:10 Training and Development for New Advisors
17:53 Understanding Client Psychology
21:02 Navigating Client Objections
24:01 The Economics of Insurance Advisory
26:56 Integrating Life and General Insurance
29:56 Building a Custom CRM System
Jimmy Lin, CA, Risk and Business Valuation Specialist For Proficio: https://proficio.co.nz/business-valuation-home/
Chapters
00:00 Understanding Business Valuation
03:03 The Role of Intangible Assets
06:10 Valuation Process and Methodologies
09:12 Preparing for Business Sale
12:00 The Importance of Accurate Financials
14:53 Market Trends and Valuation Ranges
17:55 Marketing and Client Relationships
20:56 Affordable Valuation Services for SMEs
24:02 Recurring Revenue and Business Growth
27:01 Valuation for Future Planning
29:58 Valuation in Legal and Financial Contexts
33:03 The Impact of Brand and Reputation
35:59 Continuity and Shareholder Dynamics
39:07 Building a Valuable Business
41:46 Navigating Business Sales and Acquisitions
45:11 Understanding Tax Implications
47:50 The Future of Business Valuation
Avinash Kumar: “I help people get covered | Coconut Lover | LinkyLand Junkie | Financial Advisor | Expert in Insurance”: https://haloadvisers.co.nz/
Chapters
00:00 The Journey Begins: From Debt Collection to LinkedIn Success
03:00 Building a Personal Brand on LinkedIn
06:01 Transitioning to Insurance: Challenges and Triumphs
08:58 The Art of Connection: Engaging with Clients
12:07 Sales Strategies: From Cold Calls to Warm Leads
14:56 Creating Meaningful Relationships in Business
18:02 Navigating the Insurance Landscape
20:58 The Power of Community and Authenticity
24:02 Overcoming Objections: The Human Element in Sales
26:54 The Importance of Follow-Up and Persistence
29:57 Finding Balance: Work, Family, and Personal Growth
33:08 Final Thoughts: Embracing the Journey
Yang Gu is a father, a husband, a business owner, a leader, a strategist and an insurance legend: https://www.yourgeneration.co.nz/
Chapters
00:00 Creating Unforgettable Client Experiences
03:08 Tailored Advice and Understanding Client Needs
05:58 Navigating Objections and Value Perception
09:08 Engaging Multiple Decision Makers
12:03 Building Rapport and Creating a Comfortable Environment
14:52 Presenting Advice Effectively
17:53 Retention Through Exceptional Service
20:47 Catering to Diverse Client Backgrounds
Guest is Willi Olsen Director of https://www.lifecovered.nz/
Chapters
00:00 Transformative Literature: The Power of Eulogies 02:54 Cultural Perspectives on a Fulfilling Life 05:55 The Evolution of Values Through Life Stages 08:44 The Importance of Deep Friendships 11:53 Navigating Life's Challenges: The Role of Support 14:51 Mindset and Resilience in Overcoming Adversity 17:43 The Dangers of Victimhood Mentality 20:51 Business Lessons: Accountability and Growth 23:42 Finding Joy in Meaningful Conversations 27:00 Building Relationships in Business 30:10 The Impact of Personal Experience on Professional Life 32:58 The Role of Insurance in Financial Security 36:01 Real-Life Claims: The Human Element of Insurance
Jason Venu, Founder & Managing Director at Coversure: https://coversure.co.nz/
Chapters
00:00 The Journey into Sales
03:18 Building Genuine Connections in Sales
06:16 The Importance of Attitude in Hiring
09:12 The Mission of Coversure
12:13 Real-Life Impact of Insurance
16:17 Navigating Emotional Challenges in Insurance
19:10 The Reality of Uninsured Families
22:04 Educating Clients on Financial Risks
25:13 Changing Perceptions of Insurance
28:24 The Value of Self-Insurance
31:24 The Power of Storytelling in Sales
34:18 Conclusion and Reflections on Value
Nicole Middleton is a money confidence speaker, financial adviser and owner of https://www.wealthcraft.co.nz/
Instagram: https://www.instagram.com/wealthcraft.nz/
https://www.tiktok.com/@wealthcraft.nz/
Email: hello@wealthcraft.co.nz
Chapters
00:00 From Life Coaching to Financial Advising
03:32 The Power of Mindset and Choices
06:39 Identifying Joy and Purpose
09:31 Self-Awareness and Human Connection
12:29 Navigating Relationships and Pain
15:16 The Pursuit of Happiness and Autonomy
18:28 The Role of Money in Happiness
21:14 Transitioning to Financial Advising
24:24 Building a Brand and Community
27:19 Advice for Newcomers in the Industry
30:25 Balancing Openness and Boundaries
Podcast guest Andre-Paul Stokes: https://mainz-ltd.com/
Chapters
00:00 Family Dynamics and Unknown Biological Father
04:41 Feeling Like an Outsider
06:23 School Experience
09:02 Coming to Terms with the Past
09:52 Journey to Self-Acceptance
12:20 Building a Family and Leaving a Legacy
19:12 Resistance to Change in Farming Practices
22:14 Traumatic Realities of Farming
24:40 Deer Farming and Rustling
25:46 The Antler Business
26:28 The Process of Harvesting Antlers
27:00 The Demand for Antlers
27:12 The Dangers of Deer
28:11 Handling Deer
29:21 Adventurous Times
31:13 Changes in Safety and Political Correctness
32:39 Changes in Car Safety
34:10 Finding a New Calling
36:09 Starting a Business
36:59 Cold Calling for Clients
37:58 Developing the Ability to Cold Call
42:12 Helping Clients with Budgeting and Insurance
44:56 Consumerism and Branding
49:02 The Importance of Doing Numbers
52:14 The Influence of Others
52:52 Reflection on Life and Work
Podcast guest Jason Lloyd: https://vegalend.co.nz/jason-lloyd
Chapters
00:00 The Journey into Automotive Training
03:31 Role Play: A Tool for Sales Training
06:30 Understanding Client Needs in Sales
09:33 Navigating Objections in Sales
12:15 The Importance of Empathy in Sales
15:13 Identifying Customer Personalities
18:29 Health vs. Income Protection: A Balancing Act
21:18 Real-Life Impacts of Insurance
24:36 Overcoming Trust Issues in Insurance
27:13 The Role of Advisors in Client Education
30:40 Debunking Myths in the Insurance Industry
33:13 The Value of Regular Reviews
35:34 Personal Stories that Shape Beliefs
36:04 The Importance of Product Knowledge
39:07 Understanding Policy Wording and Changes
Podcast Guest Adam Sutcliffe: https://www.arkfg.co.nz/specialists/adam-sutcliffe/
Chapters
00:00 Introduction and Background
01:25 Building Relationships and Finding Sparks
07:38 Managing Unruly Students and Creating a Conducive Environment
13:33 Streamlining the Curriculum
18:27 Goal-Oriented Mindset
22:30 Setting and Achieving Goals
24:32 The Power of Personal Growth
26:24 The Need for Financial Education
29:43 Making Financial Conversations Open and Normal
33:16 Helping People Face the Realities of Life
38:32 Building Trust in the Insurance Industry
Podcast guest Peter Crawford: https://adastra.co.nz/
Chapters
00:00 Attributes of a Good Financial Advisor
06:44 The Motivations Behind Buying Insurance
08:42 Financial Planning: Plan A and Plan B
14:01 The Role of Sales in Financial Advisory
19:18 Challenges of Work-Life Balance and Mental Health
25:46 Difficult Conversations in the Financial Advisor Role
28:53 Specialist Insurance Companies and Worldwide Coverage
32:32 Introduction and the Importance of Travel Insurance
35:44 Navigating Sensitive Health Issues with Clients
37:51 The Evolving Nature of Insurance Coverage
48:37 The Value of Investment Advising and Managing Expectations
Chapters
00:00 Creating a Space to Heal
00:54 Discovering Your Values
06:07 Applying Values in Pursuing Purpose and Relationships
Chapters
00:00 Finding Purpose
03:13 Healing Emotions
06:08 Sharing Emotions
08:03 Solving Problems for Others
10:27 Values and Boundaries
Chapters00:00 Introduction00:48 Understanding the Importance of Availability04:43 The Role of Speed in Lead Conversion06:45 Personalization and Communication Channels07:53 Appointment Booking and Follow-up Strategies10:32 Conclusion: The Power of Speed and Availability
Chapters00:00 Introduction00:17 The Importance of Tonality in Cold Calls00:37 Understanding B2B Cold Calls01:39 Leveraging Client Perception in B2B Calls01:49 The Art of Getting Past the Gatekeeper05:55 B2B Cold Call Summary06:12 Exploring B2C Cold Calls08:09 Mastering Door Knocking Techniques10:00 The Power of Mirroring and Matching11:06 The Art of Stopping People in the Street13:32 Conclusion
Podcast guest Luke Gordon: https://www.instagram.com/lukeinsuranceadviser?igsh=NDRmaWh5cGxrOHlz Chapters 00:00 Becoming an Independent Financial Advisor 01:56 Exploring Different Lead Generation Strategies 07:30 Challenges of Balancing Work and Personal Life 14:28 Expanding the Business and Hiring New Advisors 22:15 The Impact and Importance of Insurance 31:24 The Importance of Comprehensive Health Insurance 33:16 The Limitations of Public Healthcare Systems 37:37 The Advantages of Level Premiums 43:08 Understanding the Underwriting Process 49:33 The Role of an Advisor in Insurance
Podcast guest Allister McIntyre: https://www.mortgageadvicecompany.nz/ Chapters 00:00 Starting and Growing the Business 02:22 Insurance Claims and Support 03:33 Balancing Coverage and Premiums 07:50 Building Trust and Transparency 16:08 Addressing Preconceived Notions and Barriers 31:22 Overcoming Hesitation: The 'Parents Will Take Care of Me' Excuse 33:05 Dealing with Ghosting: Challenges in the Insurance Industry 34:29 Finding the Right Approach: Convincing People of the Importance of Insurance 39:42 Exploring Different Business Models in the Financial Advice Industry 53:25 The Goal: Growing the Business and Future Plans
Podcast guest Peter Steyn's book: https://www.paperplus.co.nz/shop/books/non-fiction/education-reference/politics/supping-with-satan?srsltid=AfmBOoqsORp8jKUum3x7t5pSDkHvvhzra1BqpyAjsoUREDicmkqJuKqR Chapters 00:00 Childhood in South Africa 08:52 Indoctrination and White Superiority in Education 12:47 Financial Motivations behind Apartheid 16:05 The Role of Propaganda in Maintaining Apartheid 27:05 Shifting Perspectives and Facing Dissent 30:32 Conscripted Service in Apartheid-Era South Africa 33:21 The Struggle of Cognitive Dissonance 35:48 Toughing It Out: Standing Up for Your Convictions 41:37 Being Hated for Caring for All People 44:35 Transitioning Out of the Army and Starting a New Job 55:10 Intelligence Agencies and the Manipulation of Governments
Podcast guest Yang Gu: https://www.yourgeneration.co.nz/
Chapters
00:00 Transitioning from Selling to Training: The Key Skills and Traits 03:03 Generating Appointments and Nurturing Leads: Proactive Outreach and Follow-ups 05:39 Building Relationships and Effective Communication in Sales and Training 08:46 Handling Objections: Addressing Price Concerns and Demonstrating Value 10:48 The Role of Technology and Collaboration in the Financial Services Industry 16:07 Retention: Setting Expectations and Emphasizing Long-Term Commitment
Podcast guest Charlie Gautier: innovest.co.nz Chapters
00:00 Starting a Business in a Garden Shed 03:21 Believing in Yourself and Creating a Successful Setting 08:39 The Challenges and Paradigm Shifts of Starting a Business 11:35 The Importance of Service and Helping People 16:18 Growth and Future Plans: Franchise Options and Turnover Targets 23:35 Attracting and Training Talent: Personality and Teachability 26:50 The Journey to Becoming a Successful Advisor 29:37 The Role of Determination and Customer Service in Success 32:23 The Importance of Hope and Encouragement in the Early Stages 36:30 Scaling a Business: Systems and Processes 43:53 Overcoming Challenges with Faith and Trust 50:50 Focusing on Leveraged Activities for Success
Podcast guest Jacques Van Heerden: https://newma.co.nz/
Chapters
00:00 The Power of Podcasts for Business Networking and Prospecting 08:14 Building Trust and Increasing Conversion Rates with Video Content 13:49 Understanding Client Motivations for Getting Insurance 26:56 The Importance of Diversity in Successful Partnerships 28:43 The Importance of Claim Stories 31:49 Targeting Concerns for Loved Ones 37:30 The Role of Insurance: A Fence at the Top of the Cliff 41:44 Making Insurance Tangible and Valuable 49:35 Innovation in the Insurance Industry
Podcast guest Tony Hall: financingfutures.co.nz Chapters
00:00 Running Two Businesses in Different Countries 04:40 Success in the Mortgage Lending Industry 08:49 Marketing and Staffing Considerations 11:59 Maximizing Loan Approvals and Client Satisfaction 14:27 The Importance of Getting Deals Done 20:57 The Benefits of Hiring and Training Young People 26:12 The Impact of Young Employees on the Business 28:36 Finding the Right People for the Job 35:43 Building Relationships and Referral Partnerships in the Mortgage Business 50:00 The Differences Between the Mortgage and Life Insurance Businesses 52:58 Persuasion and Product Knowledge in the Life Insurance Industry 57:20 The Challenge of Pricing and Convincing Clients in the Insurance Business
Podcast guest Mark Scown: https://markscown.co.nz/
Chapters
00:00 Introduction: Fixing Trauma Cover Premiums 01:46 The Benefits of Level Premiums 04:35 The Need for Life Insurance as You Get Older 08:00 Structuring Life Cover for Different Life Stages 11:33 The Future of Insurance Companies and Cover 14:51 The Limited Availability of Level Trauma Cover 18:21 The Potential Savings of Level Premiums 21:35 Comparing Level and Stepped Premiums 25:05 Reducing Cover Amount to Manage Premiums 29:50 Acknowledging the Risk and Focusing on Extension 32:56 Networking and Referrals for Client Acquisition 33:24 Transitioning Careers: From Principal to Insurance Advisor 36:51 The Unexpected Journey into Insurance 38:53 The Power of Networking for Finding Clients 46:55 Networking Groups: A Win-Win for Building Relationships 57:07 Challenges and Politics of Running a School 01:02:37 The Education System: Issues and Accountability
Podcast guest Darren Butter: https://www.kaurifinancial.nz/ Chapters
00:00 Marketing and Lead Generation in Financial Advising 03:49 Building Relationships and Leveraging Referrals 06:22 The Comprehensive Approach to Financial Advice 14:03 Using Google Ads for Targeted Lead Generation 34:25 The Evolution of SEO and the Importance of Valuable Content 36:06 Balancing AI and Human Interaction in Financial Advice 48:37 The Role of Education in Financial Advice 52:18 The Process of Converting Leads 58:36 Challenges of Passing on Marketing Campaigns to Other Advisors 01:03:04 Tracking Metrics for Marketing Campaigns
Podcast guest Joel Mclachlan: https://advicekiwi.co.nz/
Chapters
00:00 Being an Introvert in Sales 04:46 Creating Tangibility in Sales 06:52 Dealing with Rejection and Building Relationships 08:56 The Value of Referrals 15:36 The Effectiveness of In-Person Meetings 28:50 Setting Boundaries and Creating Urgency 31:57 Building Trust and Receiving Referrals 34:56 Networking and Relationship Building 49:28 Hiring and Training Advisors
Podcast guest Upmeet Sodhi: mutuals.co.nz
Chapters
00:00 Waking Up Early and Establishing a Routine 06:57 The Importance of Getting Enough Sleep 09:11 The Impact of Economic Policies 14:50 The Role of Education in Understanding Economics 20:30 The Importance of Discipline and Prioritization 26:21 Prioritizing Existing Clients for Business Success 29:17 The Importance of Education and Understanding 33:29 Challenges and Considerations in Selling Insurance 46:28 The Behavioral Aspects of Financial Decision-Making 57:54 The Value of Accidental Injury Cover
Podcast guest Anita Ferris: https://www.parachute-insurance.co.nz/ Chapters 00:00 Introduction and Anita's Background 00:32 Swiss Banking and Neutrality 06:53 Anita's Travels in China 16:19 Anita's Leadership Style 24:07 Incentivizing and Appreciating the Right Behaviors 25:21 Hiring for Attitude and Passion 26:55 The Importance of Information and Decision-Making in the Sales Process 28:43 Building Rapport with Personal Stories 35:26 Training and Development for Success and Retention 50:34 Fostering a Positive Team Culture
Podcast guest Anthea Livingstone
Chapters
00:00 Starting and Running Party Plan Businesses 06:42 The Transferable Skills of Motherhood 15:53 Challenges in the Share Market 23:46 Navigating Financial Crises and Risk Management 25:38 Lessons Learned from a Failed Business Partnership 30:47 Building Relationships and Using Storytelling in Insurance Sales 33:26 The Importance of Understanding Insurance Policies
Podcast guest Kimberley Stevenson: https://www.storygroup.co.nz/
Chapters
00:00 Building a Supportive Team 02:30 Delegation and Trust 08:38 Balancing Work and Family 13:40 Organic Referrals 29:19 Mastering Phone Calls and Prioritization 30:16 The Importance of Admin Time 34:42 Speed to Response in Customer Service 37:45 Keeping Clients Informed During the Claims Process 46:37 Personalizing the Onboarding Process
Podcast guest Racquel Sheath: https://www.efsnz.co.nz/
Chapters
00:00 Introduction and the Role of Group Messaging and Videos 02:13 Increasing Show-Up Rates and the Importance of Speed to Context 07:03 Reaching Out to Existing Clients and Effective Communication 10:04 Providing Value Beyond Insurance and Balancing Upselling 21:45 Building Trust and Enhancing Client Engagement 23:31 Understanding and Believing in Recommended Products 24:31 Managing Expectations in Financial Advising 26:52 The Dedication and Drive of Elite Athletes 30:13 Transitioning from a Career or Identity 35:55 Prioritizing Personal Happiness and Fulfillment
Podcast guest Jason Shortt: https://www.yourinsuranceadviser.co.nz/
Chapters
00:00 Transitioning from Personal Training to Insurance: A Journey of Change 03:20 Client Retention and Sales Strategies in Personal Training 05:15 The Role of Diet and Lifestyle in Fitness and Health 29:36 Effective Sales Strategies and Customer Engagement 35:06 Challenges of Selling Insurance 46:08 The Importance of Financial Education and Transparency in Financial Advice
Podcast Guest Julia Vahry: vahry.co.nz Chapters
00:00 The Art of Acting and Self-Discovery 04:23 Exploring Human Behavior and Confronting Good and Evil 07:28 Maintaining Humanity in the Face of Evil 27:02 Navigating Challenges in Mental Health Services and Community Safety 29:10 Challenges in the Criminal Justice System 31:45 The Importance of Empathy in Addressing Societal Issues 44:49 Pursuing Dreams and Aspirations
Podcast guest Craig Kura: https://totallife.co.nz/
Chapters
00:00 Accidental Panel Beating: A Start to Life 03:31 Transition to Sales: From Panel Beating to Used Car Sales 07:15 Insights into Car Sales: The Art of Selling Cars 11:03 Role in Automotive Industry: General Manager and Dealer Principal 15:28 Facilitating Relationships in Financial Advisory: Joint Appointments and Client Relationships 26:16 The Art of Advisor Recruitment and Training 28:07 Balancing Scale and Client Engagement 32:06 The Challenge of Trust and Delegation in Business Growth
Podcast guest Dominic Bish: https://bolsterriskmanagement.com/
Chapters
00:00 The Decision to Pivot: Embracing New Opportunities 03:28 The Power of Patience, Persistence, and Flexibility in Entrepreneurship 08:16 Meditation: Enhancing Focus and Decision-Making 12:44 Embracing Challenges for Personal Growth and Success 26:16 The Importance of the Journey and Rewarding Input 28:36 Creating a Business Plan and Setting Goals 34:28 Implementing Risk Management Strategies 38:56 Understanding the Value of Your Business 44:44 Planning for Retirement 53:29 Delivering Value Quickly
Podcast guest Andrew Ball: https://easeinsurance.co.nz/ Chapters 00:00 Starting a Business and the Challenges Faced 06:10 Lessons Learned from a Failed Franchise Experience 13:44 The Emotional Drivers of Insurance Purchases 21:37 Viewing Insurance as an Investment in Financial Protection 25:03 Building Relationships and Staying Top of Mind with Clients
Podcast guest Darshan Basavaraja: https://www.arcadiafinancial.co.nz/
Chapters
00:00 Starting a Business: Challenges and Risks
03:01 Perseverance and Adaptability in Entrepreneurship
09:53 The Art of Cold Calling: Connecting Emotionally
35:51 The Power of Mirroring and Mimicking
37:26 The Role of Tonality and Framing
40:38 Addressing Awkward Situations
45:08 The Importance of Being in a Flow State
49:09 Taking Risks for Personal Growth
Podcast guest Steve Maley https://trinityinsurance.co.nz/
Chapters
00:00 Introduction and Background 02:52 Selling Door-to-Door Insurance: Building Trust and Addressing Concerns 07:41 Overcoming Misconceptions: Educating Clients about Insurance 11:34 The Value of Insurance: Personal Stories and Examples 14:58 Listening to Clients: Focusing on Needs Rather Than Upselling 22:15 Challenges Faced by Insurance Advisors 24:35 The Importance of Proactive Service and Communication 25:20 Educating Clients and Managing Expectations 27:22 Understanding the Value of Premiums 28:33 Being Approachable and Available to Clients 34:02 Advice for Young People Starting in the Insurance Industry
Podcast Guest Michelle De Wet: https://allcover.co.nz/
Chapters
00:00 Introduction and Impressive Lies in Sales 02:04 Handling Objections and Validating Clients 04:12 Strategies for Cold Calling and Persistence 06:31 Selling Insurance as a Service, Not Just a Product 10:43 Using Situational Openers and Overcoming Resistance 13:26 Consistency and Building Relationships with Clients 24:42 Using Thought-Provoking Questions in Sales 28:17 The Role of Fear and Advice in Sales 30:01 Using Social Media Advertising to Generate Leads 34:24 The Art of Asking for Referrals 39:23 Retaining Clients: Communication and Service 45:15 Setting Expectations and Delivering on Promises
Podcast guest Paul Burns: https://burnsgroup.co.nz/
Chapters
00:00 The Power of Forgiveness 06:00 Finding Inspiration in Religion 29:21 Acknowledging the Moral Law and Denying God 32:11 Starting with the Why: Navigating Resistance in Sales 35:49 Prioritizing the Relationship over the Sale 43:01 Delivering Peace of Mind in the Insurance Profession 49:17 Setting Clear Expectations and Handling Objections
Podcast guest Nin Giles: https://www.adelphiinsurance.nz/ Chapters 00:00 Nina Giles' Background in Biology and Science 03:26 Exploring Oxidative Stress and Cancer 05:58 Different Treatments for Cancer 11:44 Understanding Cancer and its Challenges 20:42 Creating a Healthy Environment for Cell Health 23:12 The Importance of Health Insurance and Coverage for Non-Pharmac Funded Drugs 25:09 Providing Peace of Mind and Financial Support 32:32 Understanding Unique Needs and Affordability 37:14 Navigating the Claims Process and Finding Solutions
Podcast guest Duncan Wait: https://standaloneinsurance.nz/
Chapters
00:00 Duncan's Journey on the Carnivore Diet 02:11 Intermittent Fasting and the Simplicity of the Carnivore Diet 04:45 Improvements in Weight, Arthritis, Asthma, and Psoriasis 10:24 Finding a Sustainable Way of Eating 27:55 The Impact of Sugar on Health 29:33 The Dangers of Processed Foods 33:11 The Role of Sugar in Inflammation and Ulcers 36:15 The Dangers of Consuming Seeds 40:32 The Effects of Acidic Foods on Dental Health 44:49 The Universality of Human Health 46:53 The Challenges of Cutting Out Processed Foods 48:41 Exploring Bone Broth as an Alternative to Coffee 51:17 The Importance of Living Well
Podcast guest Mitch van der Weert: https://9yardsfs.co.nz/
Chapters
00:00 Networking Opportunities and Sponsorship 05:07 The Power of Follow-Up 08:11 Building Relationships with Referral Sources 14:08 Creating Urgency and Adding Value 22:23 Expanding the Network and Adding Value 26:06 Refining Processes and Leveraging Technology 27:39 The Role of KiwiSaver and Attracting Clients 36:14 Diversification and the Impact of Marketing 48:46 The Perception of Advice and the Value Proposition
Podcast Guest Bryan Tucker: https://www.decline.co.nz/
Chapters
00:00 Introduction: Bryan Tucker's Role as an Insurance Advisor
07:27 The Advantage of Not Hiring a Lawyer
28:52 Unethical Practices by Banks and the Importance of Disclosure
35:58 Building Relationships with Large Organizations for Regular Referrals
Podcast guest Mike O'Reilly: https://www.sixstep.co.nz/Chapters
00:00 Transitioning from Attorney to Business Owner
07:54 The Importance of Risk Assessment and Personalized Coverage
35:04 Stages of Business Growth
41:12 Building Trust and Personal Relationships
Podcast Guest Jeremy Goodman: https://portfoliopartnersnz.co.nz/Chapters
00:00 Starting a Business and Passion for Golf
07:06 Finding Motivation in Personal Goals and Making a Difference
37:00 Navigating the Challenges of Parenting
43:37 Defining Success: Aligning Public and Private Persona
Podcast Guest, Shaun Vining: https://www.rmafinancial.co.nz/team/shaun-vining/
Chapters
00:00 From Weather to Fame: Light-hearted Beginnings
07:54 Critical Thinking: Encouraging Independent Thought
16:09 The Existence of Cruelty: Human Nature and Choices
31:47 Imperfect People Used for a Greater Purpose
51:29 Tall Poppy Syndrome: Pulling Down Those in Power
Podcast guest Brad Macdonald: https://macdonaldwealth.co.nz/ Chapters
00:00 Introduction and Discussion of Natural Disaster Challenges 08:32 Managing Business Continuity and Client Needs 14:41 Property Investment and Liquidity Considerations 37:50 Effective Marketing Strategies for Financial Advisors
Podcast guest with https://tmxadvice.co.nz/ Chapters
00:00 The Million Dollar Roundtable and Advisor Success 06:48 Continuous Self-Assessment and Improvement as an Advisor 38:20 The Emotional Aspect of Being an Insurance Advisor 45:02 Balancing Sales Skills and Articulation in the Insurance Industry 53:38 Enhancing Motivation by Starting with Easy Tasks
Podcast Guest Jan Viljoen: https://jvfs.co.nz/ Chapters
00:00 Introduction and Fishing 09:03 Corruption in South Africa 15:12 Adjusting to a New Culture 31:52 Corruption in South African Politics
Podcast Guest Darren Hill: https://haven.co.nz/ Chapters 00:00 Introduction and Self-Identity 08:16 Understanding Values in Decision-Making 30:19 Navigating Difficult Moments 37:10 The Importance of Friendship 45:42 Finding Purpose and Meaning 55:10 Coping with Nerves and Challenges
Podcast Guest Brenda Nom: https://www.brendanom.co.nz/ Chapters 00:00 Introduction and Brenda's Life 08:29 Navigating the Mortgage Process 26:58 Striving for Excellence in Business 36:45 The Value of Personal Connections in the Insurance Industry 48:56 Providing Ongoing Support During Claims
Podcast Guest Lachie Marshall: https://www.kaurifs.co.nz/
Chapters 00:00 The Passion and Skills of Water Polo 07:42 Managing Stress through Exercise and Communication 11:24 The Impact of Technology on Interpersonal Relationships 22:42 Starting a Business and the Importance of Mortgages 30:05 Addressing the Housing Crisis in New Zealand 39:33 Planning for Retirement in an Uncertain Future
Podcast Guest Tammy Hooper: https://mortgageaccess.co.nz/ Chapters
00:00 Growing Up in South Auckland 11:45 Leaving an Unhappy Relationship 36:56 The Power of Setting Goals 43:30 Maintaining Boundaries for Self-Care
Podcast Guest John White: https://www.ohagans.net.nz/ Chapters 00:00 Unpacking the Effects of Caffeine and Energy Management 08:10 Finding Healthy Outlets for Anger 15:40 The Influence of Upbringing on Behavior 33:27 Embracing Generational Differences 42:12 First-Hand Holding Experiences 48:12 The Wisdom of Confucius
Podcast Guest Nicki Kane https://planningpros.co.nz/ Chapters 00:00 Attracting Attention at Trade Shows 07:09 Mental Health in the Beauty Industry and Isolated Farming Communities 12:50 The Impact of Marketing on Self-Worth 25:54 Providing Knowledge and Understanding in the Insurance Industry
Podcast Guest Details: https://www.advice4life.co.nz/carl-drummond/ Chapters 00:00 From Aussie Rules to Rugby 07:09 Lessons from the Corporate World 14:17 The Role of Passion and Ambition 31:28 The Importance of Activity and Structure 43:25 The Role of Authenticity in Sales
Podcast Guest Matt Golding: https://www.futurewealth.nz/ Chapters 00:00 Introduction and Matt's Passion for Golf 01:19 Improving Performance in Golf: Pressure and Experience 07:45 Money and Choices: The Value of Financial Responsibility 13:37 Faith and Love: Connecting with a Higher Power 32:40 The Evolution of Friendships as We Age 34:38 Navigating Success and Difficult Conversations 49:28 The Importance of Insurance for Financial Security
Podcast Guest Dan Murphy: https://insurancelinkotago.co.nz/about/ Chapters 00:00 Introduction and First Experiences on Radio 02:06 Overcoming Fear and the Thrill of Radio 03:10 The Goal of Radio Content and the Sausage Factory 04:59 Understanding the Audience and Creating Good Radio 07:59 Segmenting Radio Stations and the Challenges of Advertising 09:26 The Value of Radio Ads and the Challenges of Measuring ROI 11:20 Creating Compelling Ads and the Power of Education 14:07 The Importance of Consistency in Branding 19:17 Building an Identity and Training Consumer Behavior 21:01 Navigating the Challenges of Radio and Advertising 25:20 The Value of Volume and Iteration in Advertising 27:11 Balancing Creativity and Client Expectations 32:37 Being Selective with Clients and Focusing on Their Needs 34:30 Challenges of Suggesting Campaigns and Ideas to Clients 35:11 The Healthcare System in Dunedin, New Zealand 38:47 Marketing Approaches to Selling Insurance 45:07 Providing Value and Transparency in Sales Conversations
Podcast guest Tim Fairbrother: https://rivalwealth.co.nz/financial-advice-provider-rival-wealth-2/
Chapters
00:00 Farming Background and Family History
04:33 Lessons from Parents and Upbringing
08:38 Leadership, Positive Reinforcement, and Communication
14:15 Creating a Flexible Work Environment
23:33 Planning for Growth and the Future
25:29 Building Relationships and Personal Conversations in Financial Advisory
27:41 The Role of a Financial Advisor as a Life Coach
30:10 The Value of Feedback and Continuous Improvement
33:22 The Challenge of Relinquishing Control as a Business Owner
36:02 Determining Good Service through Client Surveys
46:39 Embracing Technology and Artificial Intelligence in Financial Advisory
48:34 Setting and Upholding High Standards
Podcast guest: https://theinsuranceguy.nz/
Chapters 00:00 Sleep Deprivation and Baby Sleep Strategies 02:40 The Secret Club of Parenthood 03:19 The Significance of Children's Birthdays 04:47 Debating Burt and Ernie's Sleeping Arrangements 05:48 The Role of Technology in Parenting 13:28 AI and Administrative Tasks 31:19 The Magic of Doing the Work 32:41 Streamlining Content Creation with Video Editing 33:41 Offloading Tasks and Focusing on Proficiency 34:48 Overcoming the Fear of Failure 49:34 Marketing Intent: Attracting the Right Audience 53:05 Building Trust through Consistent Messaging
Podcast guest Wayne Head: https://stratusnz.nz/
Chapters 00:00 Interest in Learning and Improving as an Advisor 02:35 Understanding Individual Client Needs 07:18 Designing an Ideal Financial Advisory Business 08:20 Helping People and Making a Difference 10:29 Fundamentals of a Successful Financial Life 11:38 Money Management and Behavioral Issues 14:57 Choices and Decision-Making with Money 17:02 Saving and Investing for the Future 17:43 Understanding Risk and Return in Investments 26:41 The Value of Financial Education 28:08 The Importance of Budgeting 30:40 Providing Hope and Practical Financial Skills 32:00 Understanding Spending Patterns 34:47 The Dangers of Gambling and Impulsive Spending 37:50 Using Incentives for Health Improvement 40:43 The Aging Population and Financial Support 42:48 The Role of Politics in Distribution of Assets 43:31 The Challenges of Budgeting and Health 44:45 The Benefits of Walking and Personal Goals 47:01 Lessons Learned from Walking
Guest Sue Aitken: https://sjamortgages.co.nz/
Chapters 00:00 Creating Distance and Setting Boundaries 04:09 Celebrating Successes and Solving Problems 07:04 The Importance of Compassion and Understanding 10:10 Learning from Personal Experiences 12:13 Setting Boundaries and Managing Expectations 15:20 Trusting the Gut Feeling 22:37 Managing Expectations and Delegating Tasks 24:21 Being Selective in Helping Others 26:19 Setting Boundaries and Valuing Yourself 30:45 Navigating Self-Worth and Charging for Services 33:02 Training Referrers and Setting Expectations 34:47 Defining the Quality of Opportunities 39:28 Understanding Clients' Goals and Dreams 44:53 Selling a Sense of Financial Security 48:49 Helping Clients Sleep at Night 52:05 Building Personal Connections with Clients
Kody Thompson: https://www.wrkpod.com/ Chapters
00:00 Introduction and Farm Life 03:06 Experiences with Animals and Death 04:25 Introducing Kids to Death 05:06 The Psychology of Crying Babies 06:09 Manipulative Behavior of Children 07:17 Loving a Child Despite Annoyances 09:10 Upbringing and Divorce 10:33 Perceiving Trauma and Moving On 11:29 The Influence of Past Experiences 13:59 Balancing Past and Future Focus 15:14 Awareness of Past for Present Understanding 17:18 Preparing for Marriage 21:52 Navigating Sexuality in Christian Relationships 22:09 Approaching Relationships and Sex 24:07 The Benefits of Waiting 25:19 Leadership and Accountability 27:58 The Liberating Power of Faith 28:37 Balancing Accountability and Feedback 31:28 Transparency and Emotional Stress 33:09 Dissociation and Prioritization 36:11 Sharing Emotions in Personal and Professional Relationships 40:49 Inspiring Others with a Clear Vision 46:04 Finding Purpose in Helping Others
Andrew Lavulavu: https://homeownership.org.nz/ Chapters
00:00 Efficient Business with AI 01:53 Philosophical Question on AI Consciousness 04:25 Human Connection and Value in AI 06:14 The Value of Personalization and Human Touch 09:07 The Cost and Value of AI Relationships 09:53 Adapting to Life Events and Empathy in Advice 11:23 The Evolution of Business Models 12:25 The Role of Humans in Driving AI 13:14 Efficiency and Scale in Business 14:32 The Shift to Remote Work and Efficiency 15:23 Incorporating AI in Customer Service 16:36 The Benefits of Remote Workers 19:20 The Rewards of Hiring Remote Workers 20:56 The Challenges and Opportunities of Remote Workers 23:03 Changing Lives Through Remote Work 24:00 Starting a Business in Financial Services 25:29 Success in Sales and Financial Services 25:42 Early Sales Career and Financial Advisory Business 27:10 Working in IT and Property Investing 30:34 Starting the Home Managership Pathway 31:54 Opening Hop Cafe 38:12 Running a Cafe and Creating Loyalty 45:19 Creating Connection and Quality in the Cafe Business 46:55 The Importance of Coffee in Business Meetings 48:04 Becoming an Entrepreneur and Creating Employment
Rose Ross: https://www.mikepero.co.nz/mortgage-broker/tauranga/rose-ross
Chapters
00:00 Introduction and Background 01:48 Traveling and its Impact 05:21 Marriage and Family 06:54 The Rewards and Challenges of Motherhood 09:58 Personal Development through Parenting 12:10 Transitioning into a Career as a Financial Advisor 15:11 Working with a Spouse 22:25 Advice for Young Mothers Returning to Work 24:10 Managing Different Types of Work 25:27 Structuring the Day for Productivity 26:54 Efficiency and Time Management 27:39 Taking Over the Business 28:44 Growing the Business within Time Constraints 30:16 Setting Realistic Goals and Comparing to Yourself 31:24 Leveraged Activities for Business Success 32:21 Process Optimization and Efficient Resource Allocation 33:53 Prospecting and Referral Sources 34:58 Building Strong Relationships with Referral Partners 35:59 Asking for Referrals and Expressing Gratitude 37:44 Overcoming Barriers to Asking for Referrals 40:14 Strategies for Asking for Referrals 44:03 Prioritizing Prospecting and Growing Referral Sources 46:25 Focusing on Client Growth and Satisfaction 47:24 Building Genuine Relationships and Partnerships 48:34 Taking Action and Putting Yourself Out There 48:58 Vision for the Future
Richard Renfrew: https://www.lyfords.co.nz/
Chapters
00:00 Do fish have consciousness? 00:26 The plight of animals and dissociation 02:52 The downfall of humanity and inherent goodness 05:03 Optimism vs. pessimism 05:19 Creating a smaller bubble 05:50 The fascination with polar bears 06:40 The peaceful nature of harsh animals 09:08 Differences in power and relationships 10:29 Equitable relationships and agreements
Podcast guest details Peter Barry: https://mortgagelink.co.nz/find-an-adviser/mortgage-link-hawkes-bay/peter-barry/ Chapters
00:00 Introduction and Decision to Stop Drinking 02:44 Confronting Life Without Drinking 06:15 Finding Happiness and Meaning 08:14 Overcoming Fear of Missing Out 10:52 Navigating Social Interactions 15:23 Exclusion and Self-Discovery 22:42 Striving for Balance and Personal Growth 26:15 Navigating Passion and Responsibility as a Father 28:19 Parenting and Allowing Mistakes 29:16 Navigating the Balance of Letting Kids Take Risks 32:38 Positive Reinforcement in Parenting 36:15 Accepting That Children Can Be Difficult 38:38 The Challenges of Co-Parenting 42:45 Diversity of Thought in Parenting 47:02 Communication and Conflict Resolution in Parenting 50:58 Maintaining the Relationship Amidst Parenting Challenges 53:46 Navigating Arguments and Different Perspectives
Podcast guest Chris Batisan: https://streamgold.nz/meet-the-team/
Chapters 00:00 Upbringing in the Philippines 02:35 Transition to Entrepreneurship 05:35 Starting a Donut Franchise 08:34 Setting Up an Internet Cafe 11:45 Challenges of Starting Over in New Zealand 15:37 Finding Community and Overcoming Loneliness 23:39 Maintaining Love and Connection with Family 25:41 Reuniting with Family in New Zealand 27:36 Overcoming Financial Challenges and Pride 31:34 Corruption and Poverty in the Philippines 37:45 Addressing Corruption in the Philippines 41:35 Benefits of Overcoming Adversity
Guest, Brian William Burgess: https://www.swainwoodham.co.nz/ Chapters 00:00 Starting a Company in 1996 02:55 Referrals and Building Relationships 05:01 The Value of Insurance and What Clients Buy 07:58 Developing Financial Advisors 11:47 Dealing with Emotional Situations 15:52 The Role of Insurance in Healthcare 19:56 Understanding the Client and Product Features 21:47 Understanding Clients' Concerns 22:15 Simplifying Complex Concepts 23:01 The Power of Storytelling 24:04 The Impact of Storytelling 25:30 Using Stories to Educate Clients 26:10 The Role of Intuition in Storytelling 27:29 The Importance of Claims 28:21 The Power of Personal Stories 29:19 The Significance of Trust and Honesty 29:58 Creating Compelling Offers 32:16 Changing the Perception of Insurance 35:36 Expanding Beyond Insurance 38:11 Adding Value to Clients' Lives 41:18 Understanding Clients' Needs 42:58 Having Hard Conversations 44:04 The Bell Curve of Insurance
Guest details Christopher Boon: https://ains.nz/ Chapters 00:00 Introduction and Company Overview 02:09 Business Models and Licenses 03:09 Staff and Roles 05:39 Joint Venture 07:28 Partnerships for Insurance Brokers 08:15 Complementary Combination of Mortgage and Insurance 10:33 Selling Insurance and Convincing Clients 11:09 Identifying Risks and Needs 12:06 Determining Optimum Level of Cover 13:33 Building Personal Protection Plans 15:01 Adjusting Insurance Over Time 16:36 Importance of Health Insurance 17:51 Risk Retention and Transfer 20:14 Consultative Approach to Insurance 21:42 Importance of Health Insurance Coverage 25:34 The Impact of Endometriosis and Pelvic Pain 26:05 The Importance of Surgical and Non-Surgical Cover 27:04 Advancements in Non-Surgical Medical Procedures 28:20 The Future of Medicine and Non-Surgical Treatments 29:38 Non-Pharmac Funded Drug Cover 30:06 The Role of MedSafe and Pharmac in Drug Approval and Funding 30:55 Immunotherapy and the Treatment of Cancer 32:16 The Importance of Non-Surgical and Non-Pharmac Cover in Health Insurance 33:45 Addressing Objections and Affordability 38:37 The Consultative Approach to Selling Insurance 46:04 Building Rapport and Earning Trust 49:25 Handling Objections and Closing the Sale
Kyle McElwain: https://kylemcelwain.co.nz/ Takeaways
Investing in meaningful relationships has a high return on investment. Money can make life easier, but it doesn't guarantee happiness. Loyalty is important in both personal and business relationships. Transparency and communication are key in maintaining trust in corporate environments. The distribution of wealth should be more equitable. The perception of value is often based on status and branding. Apple products create a consistent user experience that reinforces consumer behavior. Homeostasis plays a role in resistance to change and the preference for familiar experiences. Elon Musk's polarizing nature stems from his unconventional thinking and challenging of traditional norms. Conditioning and upbringing influence decision-making and the perception of choices. The pursuit of happiness involves constant learning and improvement. Impressing others can be a driving force, but it's important to find satisfaction within oneself. Anxiety can arise from the pressure to meet others' expectations and the need for constant adaptation. Handling high-stress situations requires a balance between outward calmness and self-care. The concept of free will and the idea of being 'enough' are complex and personal. Resilience can be built through navigating challenging experiences and finding ways to cope. Chapters
00:00 Choosing between money and relationships 01:56 The balance of money and happiness 04:42 Building trust and loyalty in finance 05:48 The importance of loyalty in partnerships 06:46 Personal values and loyalty 07:55 The impact of loyalty in corporate settings 10:14 The loss of humanity in corporate environments 10:56 The focus on shareholders in corporate decision-making 12:51 The impact of corporate decisions on employees 13:58 Maintaining transparency and communication in corporate settings 16:47 The morality of CEO salaries and wealth distribution 21:41 The perception of value and pricing in the market 23:03 The influence of status in purchasing decisions 24:15 Apple's Brand and Consumer Behavior 26:10 The Polarizing Figure of Elon Musk 27:34 The Influence of Conditioning and Free Will 28:47 The Power of Choice and Personal Responsibility 31:39 The Pursuit of Happiness and Contentment 33:26 The Constant Drive for Improvement 35:59 The Challenge of Impressing Others 37:10 The Search for Self-Worth and Identity 40:22 Anxiety and the Need for Adaptability 48:27 The Cost of Emotional Resilience
Guest Warwick Walker: https://foxplan.nz/advisers Takeaways
* Being a police officer is both rewarding and stressful, and it teaches valuable life lessons such as the importance of teamwork and the ability to influence and listen to people.
* Many people go into policing because they want to make a difference in their community and help others in times of crisis.
* Transitioning from a career in policing to financial planning requires following a system and process, investing in education, and building relationships with clients and other professionals.
* Referrals are a key aspect of growing a financial planning business, and trust, credibility, and reliability are essential in building client relationships.
* Business owners who have accumulated wealth need to navigate the challenges of transitioning out of their businesses and preserving and enhancing their wealth, which requires working with a team of professionals and developing a mindset of saving and investing.
Chapters 00:00 Introduction and First Jobs 03:10 Life as a Policeman 09:46 Challenges and Changes in Policing 14:08 Transition to Financial Planning 16:09 Following a System and Process 27:31 The Importance of Professional Partnerships 33:28 Helping Business Owners Transition 41:21 Balancing Wealth and Family 44:59 The Importance of Saving and Investing
Guest Details Marc Hamilton: https://coveryours.co.nz/about/
Takeaways
* Music and comedy can evoke emotions and create a sense of connection.
* Authenticity is important in creative endeavors and can attract like-minded individuals.
* Universal themes in storytelling and music resonate with people across cultures and time.
* Constructing a set or a song involves considering the emotional journey and engaging the audience.
* Dealing with hate or criticism requires thick skin and the ability to not take it personally.
* Finding humor in absurd or anger-inducing situations can be a source of comedy.
* The creative process involves finding inspiration in everyday experiences and emotions. Crafting comedy takes time and practice, and it's important to learn from failures and keep refining jokes.
* Art, including comedy, has the power to eloquently convey the harshness of the world in a socially acceptable way.
* The ability to shock and offend depends on the context and the audience, and it's important to understand the crowd and adapt accordingly.
* Working with troubled youth requires empathy, understanding, and the ability to separate their actions from their identity.
* Asking for help and finding someone to talk to can make a significant difference in difficult situations.
Chapters
00:00 Introduction and Background 04:03 Finding Joy in Work and Life 07:07 The Power of Music 10:15 Humor and Writing Songs 16:17 The Emotional Impact of Music 25:07 Dealing with Criticism and Hate 27:18 The Craft of Comedy 29:20 The Process of Crafting Comedy 30:18 The Art of Comedy 31:37 Navigating Different Audiences 32:31 The Consequences of Offensive Comedy 34:09 Favorite Comedians 35:16 First Attempt at Comedy and Worst Bomb 36:31 Creating Original Material 37:28 Different Crowds and Testing Material 38:11 The Influence of Comedians 39:48 The Power and Influence of Individuals 40:24 The Role of Soft Power 42:45 Empathy and Understanding 43:16 Previous Work with Troubled Youth 47:44 Pharmaceutical Sales and Dark Humor 51:19 Dealing with Horrific Experiences 56:23 Seeking Help and Support
Guest Marc Hamilton: https://coveryours.co.nz/
Takeaways
* Music and comedy can evoke emotions and create a sense of connection.
* Authenticity is important in creative endeavors and can attract like-minded individuals.
* Universal themes in storytelling and music resonate with people across cultures and time.
* Constructing a set or a song involves considering the emotional journey and engaging the audience.
* Dealing with hate or criticism requires thick skin and the ability to not take it personally.
* Finding humor in absurd or anger-inducing situations can be a source of comedy.
* The creative process involves finding inspiration in everyday experiences and emotions. Crafting comedy takes time and practice, and it's important to learn from failures and keep refining jokes.
* Art, including comedy, has the power to eloquently convey the harshness of the world in a socially acceptable way.
* The ability to shock and offend depends on the context and the audience, and it's important to understand the crowd and adapt accordingly.
* Working with troubled youth requires empathy, understanding, and the ability to separate their actions from their identity.
* Asking for help and finding someone to talk to can make a significant difference in difficult situations.
Chapters 00:00 Introduction and Background 04:03 Finding Joy in Work and Life 07:07 The Power of Music 10:15 Humor and Writing Songs 16:17 The Emotional Impact of Music 25:07 Dealing with Criticism and Hate 27:18 The Craft of Comedy 29:20 The Process of Crafting Comedy 30:18 The Art of Comedy 31:37 Navigating Different Audiences 32:31 The Consequences of Offensive Comedy 34:09 Favorite Comedians 35:16 First Attempt at Comedy and Worst Bomb 36:31 Creating Original Material 37:28 Different Crowds and Testing Material 38:11 The Influence of Comedians 39:48 The Power and Influence of Individuals 40:24 The Role of Soft Power 42:45 Empathy and Understanding 43:16 Previous Work with Troubled Youth 47:44 Pharmaceutical Sales and Dark Humor 51:19 Dealing with Horrific Experiences 56:23 Seeking Help and Support
Guest Jon-Paul Hale: https://www.willowgroveinsurance.co.nz/about-us/about-us-j-p-hale-menu
Takeaways
* The insurance industry can be complex and challenging, with various pitfalls and potholes that individuals may encounter.
* Understanding the client's needs and providing tailored solutions is crucial in the insurance industry.
* Underwriters play a significant role in assessing risks and determining coverage terms.
* Trust, education, and personalized advice are essential in the insurance industry. Insurance companies consider both medical and financial information when underwriting policies.
* Advisors play a crucial role in guiding clients through the application process and ensuring accurate disclosure.
* The misconception that insurance companies do not pay out claims is refuted, with statistics showing a high percentage of claims being paid.
* The current application process can be inefficient and time-consuming, and there is a need for improvements, such as allowing insurance companies to access medical notes with client consent.
Chapters 00:00 Understanding the Challenges in Business 03:37 Approaching Insurance Sales 07:51 Building Rapport and Understanding Client Needs 09:25 Motivational Interviewing and Client Engagement 10:33 Empowering Clients to Make Decisions 11:53 The Difference Between Sales and Advice 14:29 Developing Skills and Personalizing Delivery 15:31 Setting Boundaries for Advisors 18:15 Staying Educated in the Insurance Industry 26:47 The Role of Underwriters in Insurance 30:59 Underwriting and Financials 32:14 Predicting Mortality 34:30 Role of Advisors and Brokers 36:19 Reinsurance and Risk Spreading 38:39 Financial Strength Ratings 41:17 Misconceptions about Insurance Payouts 44:30 Buying Insurance Online 45:58 Application Process and Claim Rates 51:15 Improving the Application Process 53:38 Value of Advice and Automation
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Guest Martin Robinson: https://sharenz.com/advisers/martin-robinson/
Takeaways
* Defining success: Martin defines success as having the time, money, and health to attend any sporting or cultural event.
* Financial planning: Martin humorously defines good financial planning as when your payment to the undertaker bounces.
* Lessons from surf life saving: Martin emphasizes the value of meeting new people, learning from mentors, and staying physically active.
* Finding joy in passions: Martin's love for football and surf life saving has brought him joy and lifelong connections.
* Learning from experiences: Martin shares stories from his career in finance, highlighting the importance of perseverance and adaptability. Computerization revolutionized the mortgage industry, making it easier to track and manage mortgages.
* Commission rates for mortgages in the late 1980s were high, with advisors earning a significant amount per mortgage.
* Diversification is crucial in the mortgage industry to mitigate risks and avoid relying on a single client or industry.
* Building relationships with real estate companies can be an effective way to find prospects and convert them into clients.
* The formation of Apex Financial and its transformation into Share demonstrates the power of collaboration and camaraderie in the financial advisory industry.
Chapters
00:00 Definition of 'having made it' 03:29 The significance of football in Martin's life 04:51 The definition of good financial planning 06:33 Martin's experience in debt collecting 09:06 The role of surf life saving in Martin's life 11:28 Working at General Finance and IFC 13:33 Working in factoring and financing invoices 15:55 Working at General Finance and Olly Newland's company 19:44 Martin's achievements in surf life saving 20:46 Staying agile and competing in surf life saving at an older age 21:38 Building relationships in the mortgage advisory business 24:00 Starting a mortgage advisory business and dealing with challenges 24:29 Early Days of Mortgage Brokering 26:56 Approach to Getting Mortgages Across the Line 30:08 Formation of Apex Financial 38:03 Formation of Share 42:37 Size and Success of Share 43:33 Factors Contributing to Success 45:27 Passion for Sports and Cultural Events
Guest Aaron D'Souza: https://www.lesafs.com/
Takeaways
* Maintaining a healthy lifestyle requires discipline and finding strategies to make exercise and healthy eating easier.
* As we age, it becomes more important to prioritize our health and be proactive in maintaining a healthy weight and staying active.
* Dancing can be a fun and enjoyable way to stay active and express oneself creatively.
* India has undergone significant growth and development, with improvements in infrastructure and a focus on becoming a developed country.
* Learning how to swim is an important skill that can save lives and provide a sense of confidence and safety in water. Water polo is a challenging and impressive sport that requires strength, endurance, and skill.
* Being present and supportive as a parent is crucial for building a strong connection with children.
* Self-improvement and learning from mistakes are essential for personal growth.
* Meditation can help reduce stress and improve clarity of thought.
* Taking action is key to making progress and achieving goals.
* Being aware of one's thoughts and reactions can lead to better decision-making and emotional well-being.
Chapters
00:00 Building Healthy Habits 02:37 The Challenge of Eating Healthy 03:32 Cravings and Dietary Changes 04:32 Health, Aging, and Staying Active 05:31 Dancing and Performing 06:44 Theater and Behind the Scenes 09:43 Dance and Western Influence in India 11:30 Sports and Childhood Memories 12:47 Changes in India Over Time 13:50 India's Political and Infrastructure Development 14:56 Swimming and Overcoming Embarrassment 22:25 Water Polo and Competitive Sports 24:54 Balancing Family and Personal Fulfillment 27:59 Building a Strong Relationship with Children 30:12 Effective Communication with Children 33:33 The Power of Books and Personal Development 36:31 Taking Action and Learning from Mistakes 41:13 The Benefits of Meditation 46:50 Observing Thoughts and Responding vs Reacting
Guest Keanan Beyers: https://www.lifetime.co.nz/find-an-adviser/view/keanan-beyers/ Takeaways
* Living in Cape Town can be challenging due to crime and the need to be constantly vigilant.
* A diagnosis of type 1 diabetes can have a significant impact on one's life and requires careful management.
* Growing up in challenging circumstances can shape one's perspective and behavior.
* Finding a balance between enjoying life and making responsible decisions is important.
* Partying and a carefree lifestyle can sometimes be an attempt to fill a void or mask deeper issues.
* Maturity often comes from facing difficult circumstances and making tough decisions. Strict upbringings can limit a person's ability to explore their identity and enjoy their youth.
* Rebellious phases and partying may provide temporary escape, but they do not solve underlying issues.
* Discovering that you are not the biological parent of a child can be emotionally devastating and lead to a loss of trust.
* Betrayal and financial struggles can be challenging, but holding on and staying focused can lead to positive change.
* Patience and perseverance are key in overcoming difficult situations and finding a better path forward.
Chapters 00:00 Growing Up in Cape Town 01:28 New Chapter 04:52 Overcoming Adversity and Leaving South Africa 07:48 Living with Type 1 Diabetes 09:49 Early Life Challenges and Wrong Choices 13:35 Navigating Boarding School and Cultural Differences 17:34 Struggles at Home and Financial Constraints 24:32 Finding Balance and Making Life Choices 25:41 Filling a Void and Seeking Maturity 27:42 Strict Upbringing and Lack of Freedom 28:48 Limited Independence and Struggles with Expression 31:05 Party Lifestyle and Avoidance of Responsibility 35:25 False Paternity Claim and Betrayal 38:20 Moving Forward and Starting Fresh 43:26 Saying Goodbye to the Pretend Son 47:51 Deception and Manipulation 49:18 Words of Encouragement
Guest Jane Benton: https://g3freedom.co.nz/
Takeaways
* The sense of community and connection in rural areas can provide a fulfilling and meaningful life.
* Prioritizing personal relationships and family over work can lead to greater happiness and fulfillment.
* Financial planning is important for providing security, peace of mind, and the ability to pursue goals and dreams.
* Resilience is necessary to navigate challenges and setbacks in life.
* Commitment is essential in modern relationships to build trust and create lasting connections. Forming genuine connections and relationships can be challenging in the digital age.
* Online dating apps may not accurately portray a person's true self.
* Commitment is essential for building lasting relationships.
* Forgiveness and maintaining a positive perspective are crucial for personal growth and moving forward.
* Quality time and meaningful conversations are key to maintaining strong bonds in long-term relationships.
Chapters 00:00 Introduction and Childhood in Rural Southwest England 01:35 The Value of Community and Connection 05:50 Creating a Supportive Work Environment 07:33 Questioning Traditional Work Structures 09:51 Negotiating Work-Life Balance 10:58 Balancing Career and Family 13:52 Uncovering Financial Goals and Values 19:51 Preparing for Market Volatility and Losses 21:52 Personal Resilience and Making Life Changes 24:28 Commitment and Modern Love 25:56 The Importance of Connection 26:53 The Challenges of Online Dating 27:51 The Role of Hormones in Dating 28:46 The Importance of Commitment 29:46 Maintaining a Long-Term Relationship 30:51 Determining the Worth of a Relationship 32:11 Forgiveness and Moving On 33:57 Putting Life in Perspective 35:50 Maintaining Civil Relationships 37:12 Making the Most of Life 39:01 Dealing with Tragedy and Loss 40:43 The Perception of Success
Ian Dallas: https://www.linkedin.com/in/iandallasnz/?originalSubdomain=nz
Takeaways
* There is a movie centered around refereeing that is dramatic and intense.
* The experience of a referee in rugby involves managing people and effectively communicating with them.
* Upbringing plays a significant role in shaping personal attributes and values.
* Acknowledging and listening to people's concerns and objections is crucial in insurance sales.
* Building trust with clients requires empathy and open communication. Ask clients what is important in their lives and what could put those things at risk to understand their insurance needs.
* Estate planning and enduring powers of attorney are important aspects of risk management.
* Being honest, empathetic, and providing value to clients builds trust and long-term relationships.
* Vulnerability and open communication can lead to deeper connections and understanding.
* Mistakes are opportunities for growth and learning. Admitting and discussing them with others can help in finding solutions.
* The compounding effect of goodwill and consistent content creation can lead to long-term success in professional services.
Chapters
00:00 Introduction and Movie Discussion 02:28 Experiences in South Africa 04:06 Police Encounters in South Africa 06:14 The Importance of Self-Control as a Referee 08:16 Managing People as a Referee 09:42 The Role of Upbringing in Refereeing 11:06 Recognizing Talent in Referees 12:29 The Importance of Stillness and Self-Control 13:55 The Impact of Upbringing on Self-Control 14:24 Dealing with Criticism as a Referee 16:31 Effective Communication in Arguments 19:55 Addressing Objections in Insurance Sales 21:59 Creating Comfort and Trust in Insurance Sales 24:33 Aligning Insurance with Life Goals 25:03 Understanding the Drivers for Insurance 26:10 Identifying Risks and Needs 27:19 The Importance of Estate Planning 28:34 Providing Value Beyond Insurance 30:13 Building Relationships and Trust 31:08 Retaining Clients through Understanding 33:50 The Power of Authenticity and Vulnerability 35:02 The Benefits of Acting with Integrity 36:22 Overcoming the Fear of Judgment 40:29 The Secret to Youth 41:24 Long-Term View and Adaptability 42:03 Living Longer and Embracing Change 43:00 Learning from Mistakes and Being Vulnerable 46:27 Unraveling Personal Challenges
Guest Simon O'Neill: velocityfinancial.co.nz Takeaways
* Show up and be present as a father, especially during the early years of a child's life.
* Find a balance between protecting your children and allowing them to face challenges and develop resilience.
* Learn from difficult experiences and use them as opportunities for personal growth and strength.
* Build a support network of friends and family who can provide guidance and understanding during tough times. Everyone has their own story and experiences, both good and bad.
* Encouraging men to be vulnerable and open up requires creating a safe environment and sharing personal stories.
* Regular check-ins and meaningful conversations are important for maintaining strong relationships.
* Staying strong during separations involves allowing oneself to grieve and seeking support from helplines or online groups.
* Strong emotions towards others often stem from past experiences and can be observed rather than reacted to.
* Building resilience and a positive mindset takes time and practice.
Chapters 00:00 Origin Story 03:07 School and Resilience 05:32 Parenting and Family Dynamics 09:03 The Importance of Fatherhood 10:11 Lessons from Resilience 14:06 The Power of Vulnerability 18:44 Finding Hope in Tragic Endings 27:56 Encouraging Vulnerability in Men 32:40 Overcoming Separation and Loss 36:04 Taking Small Steps in Vulnerability 41:03 Dealing with Relationship Challenges 43:01 The Power of Surroundings and Mindset 43:31 Observing Thoughts and Emotions 44:41 Road Rage and State of Mind 45:47 Projections and Emotional Reactions 46:26 Understanding Strong Emotions 47:23 Resilience and Priorities 48:17 Insecurities and Perceptions 49:13 Personal Growth and Support Network
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Jonathan Marshall: https://www.linkedin.com/in/jonathan-marshall-aab05418/?originalSubdomain=nz Takeaways Starting a church can be driven by a desire to serve the community and provide a place of belonging. Belonging should come before belief and behavior in a church community. The Bible resonates with people because it has been tried and tested over generations and offers inspirational words for moral guidance. Living by faith and accepting the grace of God is more important than trying to justify oneself through works. The relationship between guns and nature can provide a sense of connection to the primal state and a responsibility to the environment. Meaningful conversations and connections can be fostered in the context of hunting and outdoor activities. Outdoor activities like hunting provide unique experiences and challenges that can teach responsibility and help individuals appreciate life in different ways. The absence of a father figure in a child's life can have a significant impact, as evidenced by the high percentage of prisoners who come from fatherless homes. Society should embrace individuality and diversity, rather than trying to make everyone conform to the same standards and beliefs. The LGBTQ+ movement raises complex issues, and while it is important to respect individual choices and lifestyles, there is a need for open and honest discussions about the consequences and challenges associated with certain decisions. Empathy plays a crucial role in understanding and supporting others, even when their experiences or perspectives differ from our own. Belonging and social connection are essential for human well-being, and society should strive to create an inclusive environment where everyone feels accepted and supported. Chapters 00:00 Introduction and Background 00:38 Getting Involved in the Church 02:00 Starting a New Church 03:13 Approach to Church and Belonging 04:05 Denominations and Rules 05:17 Beliefs and Values 07:52 Running a Church as a Career 08:40 Values of God in Society 10:07 The Bible and its Resonance 11:21 Favorite Stories from the Bible 15:22 Hunting and its Significance 22:11 Individuality and Unity in Society 30:07 Teaching Kids and Acceptance 37:04 LGBTQ+ Movement and Belonging 44:30 Teaching Values to Children 46:06 Acceptance and Understanding 47:10 Support for LGBTQ+ Youth 48:09 Being Gay Today 50:17 Empathy and Understanding 51:11 The Importance of Belonging
Carie Townley mortgage broker at https://adviser.loanmarket.co.nz/whangarei/ Takeaways
* Investing in the potential of clients without expectation and serving their problems is key to success as a mortgage broker.
* Building relationships and partnerships with referral sources is crucial for business growth.
* Storytelling can be a powerful tool in the mortgage application process, helping to engage clients and improve the likelihood of approval.
* Fear and addiction can be overcome by understanding their underlying causes and developing strategies to deal with them.
* Maintaining integrity in the face of adversity is important for long-term success.
* Doing the right thing for clients and putting their interests first leads to more successful settlements.
Chapters
00:00 Introduction and Ranking 02:00 Competition and Fair Assessment 04:07 Fear and Overcoming Obstacles 06:14 Unusual Expenses and Interesting Stories 07:33 Dealing with Addiction and Gambling 08:59 The Pillars of a Fulfilling Life 10:32 Understanding Addiction and Fulfillment 12:39 Helping Customers Achieve Homeownership 14:31 Leadership and Positive Reinforcement 15:35 Lessons Learned and Personal Development 17:33 Taking Responsibility and Building Relationships 19:34 The Power of Storytelling in Applications 21:17 Understanding the Cost of Living 24:45 The Influence of Role Models and Generational Patterns 27:31 Maintaining Integrity in Adversity 30:16 The Value of Genuine Relationships 32:02 Building a Business and Finding Customers 36:47 Treating People with Respect and Integrity 40:46 Maintaining Humility and Self-Awareness 45:49 Advice for Young People and Mortgage Brokers
Nigel Elson Founder of https://www.friendlyfinance.nz/ Takeaways
* Being an expat himself, Nigel has a natural connection with expat clients and understands their financial needs.
* Traveling and experiencing different cultures makes people more open-minded and focused on enjoying life in the present.
* Planning for both the present and the future is crucial for financial success.
* Communication and compromise are key in relationships and business partnerships. Effective communication is crucial in financial advising to ensure understanding and build trust.
* Reading people's facial expressions can help gauge their level of comprehension.
* Addressing insecurities and concerns is important to make clients comfortable with the financial plan.
* Tailoring communication based on age and background is essential for effective communication.
Chapters
00:00 Introduction 00:20 Feeling Like You Don't Belong 03:18 The Experience of Traveling and Living Abroad 05:01 The Challenges of Integrating into a Local Community 05:57 Unusual Life Experiences 07:05 The Differences Between the Ultra Wealthy and the Aristocracy 08:22 Attributes Required for Success 09:21 Instilling Work Ethic in the Next Generation 10:58 Maintaining a Long-Term Partnership 12:12 Effective Communication in Relationships 14:16 Understanding and Empathy in Arguments 19:00 Finding a Life Partner 21:01 Maintaining a Good Bond in a Relationship 22:27 Effective Communication in Sales 24:41 Simplifying Statement of Advice Documents 29:18 The Requirements for a Michelin Star Restaurant 32:27 Providing Service in the Financial Planning Industry 36:29 The Need for Higher Qualifications in New Zealand 44:52 Number of Insurance Advisors in New Zealand 45:33 Challenges in Reaching Remote Areas 47:13 Perception and Competency of Financial Advisors 48:22 Access to Financial Advice and Education 49:16 Importance of Life Insurance and Investments 51:00 Convincing People of the Importance of Insurance
This podcast explores the complex relationship between being authentic and the subsequent impact on personal and professional life, drawing parallels with a study on zebras to metaphorize standing out and its effects. It features Nicola Shirley, a mortgage advisor from Vega Lend, who discusses her approach to handling leads, fostering meaningful client relationships, and the pivotal role of trust and authenticity in her profession. Shirley offers insights into the intricacies of client communications, the challenges and shifts within the lending industry, and the importance of insurance. She also reflects on the evolution of client referrals, provides advice for industry newcomers, and emphasises the significance of balancing professional service with personal connection. Guest Details: https://vegalend.co.nz/nicola-shirley 00:00 Introduction 00:39 Exploring the Impact of Authenticity on Business and Personal Connections 00:46 Navigating the Complex World of Leads and Referrals 04:10 The Art of Building Meaningful Client Relationships 05:01 Navigating Client Expectations and the Importance of Trust 07:03 The Delicate Balance of Knowledge, Ego, and Client Service 12:59 The Intricacies of Financial Advising and Building Trust 17:14 Understanding the Banking System and Navigating Financial Uncertainties 20:59 Navigating the Changing Landscape of Financial Advisory 22:15 The Shift to Modern Financial Practices 23:18 Client Relationships and the Importance of Regular Check-Ins 24:25 Adapting to the Evolving World of Lending 28:50 The Power of Networking and Authentic Relationships 33:58 Referrals: The High Bar of Trust and Authenticity 42:52 The Critical Role of Insurance in Financial Planning 46:51 Concluding Thoughts on the Financial Advisory Profession
This extensive discussion delves into various facets of digital marketing and social media strategy with Lawrence Carey, the managing director of Squid Group, a leading creative marketing agency in New Zealand. The dialogue covers the importance of social media for businesses, how to leverage niche markets, the strategy behind Facebook ads, and the dynamics of retargeting and brand building. It also touches on the significance of creating tailor-made content and offerings for specific audiences to foster brand trust and ensure a consistent flow of clients. Additionally, personal anecdotes and experiences in the marketing field are shared, underscoring the complexity and evolving nature of digital marketing tactics and the need for a deep understanding of one's target audience to achieve tangible results. Guest Details: https://www.squidgroup.co.nz/ Chapters 00:00 Introduction 01:03 The Journey to Niche Marketing Success 03:14 Exploring Global Opportunities and Lifestyle Balance 04:42 Mastering Niche Marketing Strategies 14:17 The Art of Promoting Music and Events 18:42 Leveraging Brand Experience and Social Proof 25:54 Unlocking the Secrets of Effective Advertising 26:43 Mastering Facebook Ads: Strategies and Insights 30:15 The Art of Crafting Compelling Hooks 33:08 Exploring the Psychology Behind Purchases 35:54 Debunking Facebook Ads: A Deep Dive 38:20 Navigating the Complexities of Retargeting Campaigns 43:37 The Power of Broad Targeting and Dynamic Creatives 47:29 The Debate on Retargeting: Efficiency vs. Engagement 52:57 Concluding Thoughts on Marketing Strategies
In this podcast, Lara, the owner of My Future Plan, discusses her motivation to become a financial advisor and her dedication to financial literacy as a key to living a fulfilling life. Addressing misunderstandings around financial services, Lara emphasizes the importance of seeing financial advisors as a normal part of life, just like having a doctor. She delves into details about investing, avoiding the pitfalls of chasing returns, and the challenges of scaling in the financial advisory profession. Lara also discusses her vision of normalizing the role of financial advisors in New Zealand and making 'My Future Plan' New Zealand's most trusted advisors. Guest Details: https://myfutureplan.co.nz/ Chapters 00:00 Introduction 01:10 The Meaning of Life and Self-Actualization 03:08 A Personal Journey: From Burger King to Financial Freedom 05:15 The Traditional Life vs. A Better Way to Live 07:41 The Power of Passive Income 11:08 Understanding Managed Funds and Investment 12:33 The Challenges of Financial Planning 21:19 Understanding the Emotional Aspect of Finance 21:42 The Gap in Financial Education 22:39 Personal Financial Struggles and Lessons 23:08 The Importance of Financial Planning 23:23 The Misconceptions about Mortgages 24:26 The Role of a Financial Advisor 25:07 The Value of a Financial Advisor 25:48 The Different Types of Financial Advisors 27:31 The Future of Financial Advising 31:56 The Challenges in the Financial Advising Business Model 39:32 The Importance of Building Relationships with Clients 41:43 Overcoming Bottlenecks in Financial Advising
Jeff Royle, a volunteer with the New Zealand Coast Guard and the owner of the mortgage company, ilender, offers insightful descriptions of his experiences in both domains. Detailing his commitment to the Coast Guard, Royle discusses responding to emergencies, ensuring boat safety, confronting challenging situations and the intricacies of negotiations and leadership within their team. Transitioning to his expertise in mortgages, Royle provides an overview of non-bank lenders, the risks of mortgage default and the current stress in the mortgage market. He wraps up with the importance of communication with lenders during financial distress, advice on managing rejection and anticipates a good summer after an unusual weather year in Auckland. Guest Details: https://ilender.co.nz/ Chapters: 00:00 Introduction 00:31 Becoming a Coast Guard Volunteer 01:42 Life as a Coast Guard Volunteer 03:42 Training and Challenges in the Coast Guard 05:39 Respect and Leadership in the Coast Guard 07:53 Rescue Operations and Challenges 11:33 Survival Tips and Stories from the Sea 15:38 Unusual Rescue Stories 18:36 Dangers of the Sea and Final Thoughts 28:17 Survival Tips for Being Stranded at Sea 28:57 The Importance of Carrying Water on a Boat 30:03 Survival Stories and Human Adaptability 31:07 The Irony of Being Surrounded by Water but Unable to Drink 32:12 The Art of Negotiation in Lending 35:11 Understanding Non-Bank Lenders 43:35 The Importance of Facing Financial Challenges Head-On 44:14 The Consequences of Mortgage Default 56:27 Dealing with Rejection and Negative Feedback 59:08 Final Thoughts and Wishes for a Good Summer
This podcast features an insightful conversation with Stephen Robertson, the owner of My Money, a finance consultancy primarily dealing with mortgages for high-profile clients. As he details his professional journey, Stephen delves into his origin, growing up in Palmerston North, New Zealand, and his interests in fishing, boating, and the military. With numerous anecdotes from his career, he explains how his role has evolved into more than just banking, involving understanding his clients' needs, handling their anxieties, and nurturing relationships. Stephen emphasizes the importance of providing clients with quality advice they can trust, especially in challenging financial situations. The discussion also reveals the intricate connections between financial decisions and personal emotions, underscoring the necessity of identifying the real needs of clients to deliver effective service. Guest details: https://www.mymoney.net.nz/ 00:00 Introduction 00:43 Personal Background and Childhood Memories 01:53 Travel Experiences and Military Interests 02:35 Passion for Boating and Fishing 04:55 School Experiences and Learning Strategies 09:00 Dealing with Stress and Anger 10:16 Lessons from Financial Advising and Sales 13:09 Understanding Client Needs and Aspirations 16:19 Understanding the Person Behind the Mortgage 16:54 The Importance of Connection in Mortgage Lending 18:15 The Role of an Advisor vs. a Bank 18:38 Navigating High Pressure Situations 20:04 The Journey to Becoming a Mortgage Broker 20:31 The Emotional Impact of Helping Clients 21:15 Dealing with Rising Mortgage Rates 21:37 The Consequences of Overpaying for a Property 24:44 The Importance of Financial Planning and Budgeting 28:03 The Dangers of Ignoring Financial Warning Signs 30:40 The Impact of Poor Financial Advice 33:51 The Joy of Helping First Home Buyers 35:21 Wrapping Up the Conversation
In an engaging dialogue that delves into the depth of life, relationships, and faith, Vinay Grover shares his personal experiences, insights and beliefs. Central to his discourse is the concept of intrinsic gratitude, winning over life's challenges and the significance of rising above negativity, while trying to attain a more positive, richer, and more meaningful existence. He discusses his journey from striving for 'bigger' to evolving towards 'better' and underlines the importance of commitment, trust, and overcoming jealousy. There's also a reflection on his relationship with God, spirituality's influence on his everyday choices and the transformative power of faith in his life. 00:00 Introduction and Life's Meaning 01:17 The Importance of Losing and Learning 02:09 Gratitude and Reality: Striking a Balance 03:13 The Journey from Bigger to Better 05:09 Managing Stress and Emotional Balance 07:56 Empathy and Emotional Connection 09:41 The Role of Family in Emotional Support 12:18 The Struggle of Balancing Work and Personal Life 21:33 The Power of Gratitude and Connection with God 30:16 Understanding Control and Surrender 31:21 Exploring the Concept of Suffering 31:57 Discussing the Idea of Heaven 32:21 The Role of Suffering in Faith 32:52 Life's Ups and Downs: A Metaphor 33:40 The Importance of Emotional Investment 34:15 Finding Fulfillment in Life 36:35 The Power of Choices 37:01 Navigating Modern Dating and Choices 44:17 The Complexity of Trust 47:13 Dealing with Jealousy 51:17 Understanding Hate and Its Impact 54:53 Final Thoughts and Reflections
Ever wondered what it takes to navigate the ever-changing landscape of mortgages and finance? Join me as I chat with Craig Pettit, a seasoned advisor with over 45 years in the trenches. This isn't your average dry financial talk. Craig's journey, from a young bank employee to a successful mortgage advisor, is packed with fascinating experiences and valuable insights. We'll delve into: •The rollercoaster ride of economic climates: Craig will share his firsthand perspective on navigating various economic ups and downs, offering unique insights into the past and a glimpse into the future. •Taming the interest rate beast: We'll explore the complexities of fluctuating interest rates and Craig's expert strategies for helping clients weather the storm. •Unlocking the secrets of the New Zealand economy: Craig sheds light on the factors that make New Zealand's economy tick, discussing the banking system, property market, and the impact of changing interest rates on individuals. •Beyond the numbers: personal anecdotes and investment wisdom: Get ready for a captivating blend of personal stories, practical advice, and Craig's investment strategies for navigating the current financial landscape. Whether you're a seasoned investor or just starting out, this conversation is packed with valuable takeaways to help you navigate the world of finance with confidence. So, grab your favorite beverage, buckle up, and get ready for an insightful and engaging discussion with Craig Pettit! 00:00 Introduction 00:13 Career Journey and Experiences 01:48 Reflections on Family Life and Moving Around 02:33 Insights into the Railways and Banking Industry 03:59 Changes in the Banking Industry and Technology 04:57 Government Involvement in Banking and Private Enterprise 05:38 Perspectives on Home Loans and Customer Characteristics 06:18 Thoughts on the Banking Industry Setup 10:15 Personal Career Journey and Transition to Mortgage Advising 10:56 Observations on the Banking Industry and Credit Scores 13:31 Discussion on the U.S. Economy and Currency 15:44 Insights into the New Zealand Banking System 18:10 Understanding the Impact of Inflation and Unemployment on Interest Rates 20:58 Reflections on Generational Differences and Property Investments 31:10 Advice for Navigating the Current Housing Market 42:29 Final Thoughts on the Robustness of the New Zealand Economy
Apply to be a podcast guest: https://findadvice.nz/podcast In this podcast, the host interviews Campbell Hastie, a mortgage broker, where they touch upon a variety of topics ranging from Campbell's controversial view on making a peanut butter sandwich to deep dives on the concept of consciousness. Campbell shares his unique perspective on the food he believes holds a special quality – the kind you'd catch, grow or kill yourself. He also compares the qualities of a good mortgage to a well-played game of hockey and emphasizes on trust as a major aspect of his business. Moreover, Campbell talks about his journey as a mortgage broker and how the focus on long-term rewards helped him survive during tough times. The conversation also includes an interesting take on the dynamics between life insurance and mortgage brokering. Guests website: https://hastiemortgages.co.nz/ 00:00 Introduction 00:22 Desert Island Meals and Food Preferences 00:57 The Magic of Self-Sourced Food 02:15 The Joy of Fishing and Hunting 02:54 Surviving in the Wild: A Reality Check 03:12 The Pleasures of YouTube and the Dilemma of TikTok 03:34 The Art and Science of Fishing 05:17 The Intriguing Life Cycle of Insects 05:56 The Thrill and Fear of Catching Fish 06:24 The Curious Case of Dolphins and Gannets 11:20 The Philosophy of Consciousness and Reincarnation 15:01 The School Life and Sports Experiences 17:37 The Art of Delivering Bad News 21:56 The Emotional Rollercoaster of Buying a House 23:31 The Art of Organizing Mortgages 24:06 The Journey of Becoming a Mortgage Broker 24:32 The Power of Word of Mouth in Business 25:09 Turning Crisis into Opportunity: Writing a Book 25:37 The Impact of PR and Media Exposure 26:49 The Importance of Consistency and Credibility 28:40 The Role of Referrals in Business Growth 29:28 The Art of Delivering a Good Job 31:53 The Importance of Trust in Business 37:56 The Power of Specialization in Business 41:30 The Value of Persistence and Resilience 50:03 The Power of Delayed Gratification 54:08 The Challenges of Compliance in the Mortgage Industry
Free Insurance Advice in minutes: https://findadvice.nz/ Chapters 00:00 Introduction: The Common Mistakes in Business Marketing 00:06 Understanding Facebook Campaign Structure 00:26 The Importance of Choosing the Right Objective 01:16 Targeting the Right Audience: A New Approach 02:34 The Power and Pitfalls of Remarketing 03:30 The Misconception of Cost-Effective Leads 07:05 The Reality of Agency Marketing Strategies 08:54 My Unique Approach to Facebook Marketing 12:35 The Importance of Speed in Lead Conversion 13:56 Conclusion: The Impact of Effective Marketing Strategies
In this interview, Lillian Nguyen shares her experiences as a Vietnamese mortgage advisor and breaking into the finance industry in New Zealand. Lillian discusses how she helps self-employed clients navigate the complex mortgage process and lends advice on what to consider before buying a house. Apart from her professional life, Lillian talks about her personal experiences, including her fear of swimming and how she overcame it, her childhood days in Vietnam, and the fascinating details of her journey to New Zealand. Lillian also explores cultural differences, such as how Vietnam's street food scene compares to New Zealand's more formal dining culture. This interview is not only an insightful view into Lillian's life but provides valuable information for prospective home buyers, especially those who are self-employed. Guest details: https://www.mintfinancial.co.nz/ Chapters 00:00 Introduction 00:00 Meet Lillian: A Mortgage Advisor 00:47 Lillian's Origin Story: From Vietnam to New Zealand 01:16 Overcoming Fear: Lillian's Swimming Journey 05:30 Education Differences: Vietnam vs New Zealand 12:59 Cultural Adaptation: Fitting into a New Society 18:35 Exploring Vietnam: A Native's Perspective 24:15 Discussing the Intricacies of Tunnels 24:47 Understanding Different Cultures 25:07 Exploring Personal Education and Career Paths 26:10 The Journey from Checkout Manager to Bank Employee 28:59 Insights into Helping Self-Employed Clients 30:24 The Importance of Financial Statements and Open Communication 31:09 The Balance Between Paying Taxes and Getting a Mortgage 34:14 The Pros and Cons of Buying a House 36:52 Understanding the Current Property Market 51:08 The Debate: Renting vs Buying a House 52:45 Final Thoughts and Advice for First-Time Home Buyers
In this enlightening conversation, Gerard Tilleyshort, a noteworthy insurance broker, business owner and industry veteran, unveils his journey to professional triumph starting from modest beginnings. His principles emphasize on stepping out of comfort zones, perpetual resilience, maintaining strong client relationships, and creating a network with successful entities. Gerard tackles both personal and professional challenges ranging from dealing with his wife's brain tumor diagnosis to negotiating the hurdles that come with operating a business. Tilleyshort outlines the intricacies of the insurance sector, shedding light on risk, pricing, and client-oriented services. His golden advice for budding industry players underscore the power of consistent efforts, delivering value, and fostering a customer-centric business for achieving ultimate success. 00:00 Introduction 00:00 The Power of Mindset and Stepping Out of Your Comfort Zone 01:26 The Drive Behind Success and Personal Background 02:49 Navigating School Life and Early Career 04:07 The Impact of Personal and Professional Environments on Success 10:40 The Journey into the Insurance Industry 12:12 The Role of Insurance in Life and Business 15:36 The Challenges and Rewards of the Insurance Industry 18:24 The Importance of Relationships and Trust in Business 23:15 The Future of the Insurance Industry 31:06 Growing Pains in Business 32:00 The Challenges of Small Business 33:04 The Intricacies of Insurance 34:21 The Business of Insurance 35:06 The Reality of Running a Business 35:46 The Emotional vs Logical Approach to Insurance 36:26 The Necessity of Insurance 37:15 The Value of Insurance 39:38 The Politics of Insurance 41:38 The Role of Insurance in Business 46:39 The Journey to Success 57:26 The Impact of Insurance 01:01:59 Understanding the Value of Money 01:02:15 Dealing with Grief and Business Challenges 01:02:48 Personal Experience with Health Crisis 01:03:57 The Reality of Business and Adversity 01:04:25 Navigating the Financial Advice Space 01:05:29 The Power of Networking and Collaboration 01:06:44 Entering the Insurance Industry: Challenges and Advice 01:09:06 The Importance of Relationship in Business 01:10:05 The Role of Insurance in Business 01:11:14 Innovation and Challenges in the Insurance Industry 01:12:16 The Art of Referrals in Business 01:13:18 The Journey of Growing a Business 01:14:59 Understanding the Value of Insurance 01:18:21 The Politics and Dynamics of the Insurance Industry
In this discussion, Bruce Harnell, a former decathlete and experienced mortgage broker recounts his experiences in sports, having a long-lasting relationship, and journey as a mortgage broker. Bruce, who identifies as an introvert, shares his high school days as a jock and how he moved from sports into the banking industry. He talks candidly about how his wife has played a significant role in his life, helping him navigate through his introverted nature in a sales-driven role. He discusses how he's managed to balance affecting sales targets with meaningful client relations. During the interview, Bruce also explains the dynamics of the mortgage industry, including how banks determine loans and interest rates. He finally reflects on how his introverted nature, coupled with empathetic business approach, impacts his interaction with clients and business operations. Guests Details: https://adviser.loanmarket.co.nz/bruce-harnell Chapters 00:00 Introduction 00:00 School Days and Early Sports Involvement 00:32 Maintaining Fitness and Health in Adulthood 00:59 Reflections on Aging and Exercise 02:42 Journey into Athletics and Decathlon 05:33 Transition into Sales and Overcoming Introversion 07:09 Navigating the Challenges of Sales 09:17 Personal Growth and Relationship Building 12:11 Balancing Family, Work, and Personal Identity 18:41 The Role of Faith and Respect in Long-term Relationships 23:01 Defining Success and Prioritizing Family 24:35 Overcoming Challenges in the Financial Market 25:12 The Journey of Starting a Business 25:41 Leveraging Contacts and Building a Business 26:04 The Role of Family in Business Success 26:38 Dealing with Rejection and Building a Client Base 27:50 The Importance of Insurance in Financial Planning 28:11 The Impact of Health Issues on Financial Stability 28:33 The Role of Insurance in Risk Management 30:02 The Reality of Financial Struggles and the Importance of Planning 30:23 The Challenges and Rewards of Being a Mortgage Broker 32:51 Understanding the Impact of Interest Rates on Mortgages 34:24 The Role of Insurance in Mortgage Brokering 35:58 The Future of Mortgage Brokering 39:01 The Impact of Economic Changes on Mortgages 39:46 The Importance of Client Expectation Management in Mortgage Brokering 43:17 The Impact of Economic Changes on Mortgage Rates 44:02 The Challenges of Regulatory Compliance in Mortgage Brokering 45:56 The Challenges and Rewards of Being a Mortgage Broker 48:53 The Role of Technology in the Mortgage Industry 49:30 The Future of Mortgage Brokering 58:39 Concluding Thoughts
Join us as we embark on an inspiring journey with Ananda Kumar Founder of Expert Finance, a man who defied his humble beginnings in a small village in Bihar, India, to carve his own path to success in the New Zealand mortgage industry. In this insightful podcast episode, we delve into: -Early life in rural India: Discover how Ananda's upbringing in a clay house fueled his determination for education and a better future. -Southern sojourn for knowledge: Learn about his pursuit of higher education in South India and the valuable lessons he gained. -Banking experience and entrepreneurial spirit: Explore his foray into the banking industry and the spark that ignited his passion for entrepreneurship. -MBA-powered expertise: Witness how his Master of Business Administration empowered him with practical knowledge in financial management and business operations. -Mastery of the mortgage game: Uncover his insights into the importance of meticulous loan structuring and strategic financial advice for accelerated mortgage payoff. -The dual role of a mortgage advisor: Understand how Ananda expertly navigates the dual responsibility of pre-qualifying businesses and ensuring complete transparency for his clients. -From Bihar to New Zealand: Celebrate Ananda's remarkable journey, fueled by perseverance and a commitment to helping others achieve their homeownership dreams. This episode is a must-listen for anyone seeking inspiration, practical financial advice, and a glimpse into the transformative power of education and ambition. Don't miss out as we unravel the captivating story of Ananda Kumar, the Bihaari village boy who became a Kiwi mortgage master! Guest Details: https://expertfinance.co.nz/ 00:00 Introduction 00:00 Growing Up in a Small Village in India 00:25 Pursuing Higher Education and Starting a Career 00:47 The Value of an MBA 01:35 Life in a Clay House 03:51 Family Life and Childhood Memories 05:12 Understanding Financial Struggles and the Importance of Finance 07:55 The Journey to Financial Stability 12:26 The Role of Mathematics in Life and Business 18:54 Investing and Managing Finances 28:38 The Importance of Mortgages and Financial Planning 35:30 Understanding Different Mortgage Structures 37:45 The Role of Mortgage Brokers 39:29 The Importance of Proper Loan Application 40:23 The Journey of First-Time Home Buyers 41:31 The Role of Banks in Mortgage Broking 45:08 The Future of Mortgage Broking 45:48 Understanding the Remuneration of Mortgage Brokers 55:41 The Challenges and Rewards of High Net Worth Clients 01:02:11 The Role of Investment in Mortgage Planning 01:05:47 Wrapping Up: The Complexities of Mortgage Broking
Join us for an insightful conversation with Marc Proctor, CA & Financial Advisor at Blissett Wealth, as he sheds light on navigating market uncertainties, managing your KiwiSaver effectively, and achieving financial peace of mind. Key Takeaways: Market's Impact on KiwiSaver: Learn how recent market gyrations affect your retirement nest egg and what adjustments you might need to make. CA + Financial Advisor = Unique Perspective: Gain insights into Marc's dual expertise and how it shapes his approach to financial planning and risk mitigation. Building Trusting Relationships: Discover Marc's philosophy on client communication and collaboration for sound investment decisions. Beyond the Headlines: Go beyond the noise and sensationalized financial news to delve into practical planning strategies. Taming Market Volatility: Explore actionable tactics to navigate market ups and downs while safeguarding your investments and achieving your financial goals. Present vs. Future Balance: Find the sweet spot between enjoying today and making smart choices for a secure and fulfilling retirement. Bonus Content: Website: Dive deeper into Blissett Wealth's services and philosophy: https://blissettwealth.co.nz/ Resources: Download helpful guides and tools related to KiwiSaver, investing, and retirement planning. Connect with Marc: Reach out via Blissett Wealth's website or social media for a personalized consultation. 00:00 Introduction 00:00 Understanding Market Turbulence and KiwiSaver 00:23 The Dual Role of a Chartered Accountant and Financial Advisor 01:37 Challenges in Charging for Financial Advice 03:30 The Impact of Compliance Changes on Financial Advice 04:47 The Future of Financial Advice and KiwiSaver 07:25 The Importance of Financial Education and Advice 07:37 Understanding the Impact of Market Fluctuations on Investments 15:41 The Challenges of the Current Economic Climate 15:49 The Impact of Rising Mortgage Rates 20:39 The Role of Property in Investment Portfolios 24:12 Lessons Learned from Providing Financial Advice 25:41 The Importance of Planning for the Future 25:58 The Value of Advice and Making Right Decisions 26:34 Living in the Present and Dealing with Life Changes 27:49 The Importance of Enjoying Life and Pursuing Dreams 28:11 The Unpredictability of Life and the Need to Act Now 29:51 The Role of an Advisor and the Importance of Client's Interest 30:36 Helping Clients Discover Their Goals 31:08 The Influence of Parents and Early Life Experiences 34:05 The Impact of Teachers and Mentors 37:57 The Role of a Spouse in Personal and Professional Life 41:47 The Journey of Leadership and Team Management 44:03 Financial Advice and Retirement Planning 47:20 The Future of Retirement in New Zealand 49:18 Concluding Thoughts
The discussion sheds light on personal growth, leadership, and challenges of running a business. It underscores the importance of having clear aspirations, working towards them consistently, and embracing change. The conversation reveals how the dynamics in businesses, particularly in consultancy, have evolved over the years, with the emphasis on building personal relationships rather than just transactional engagements. The Elliot Royce, Director of Beyond Potential Consulting and The Urban Physio also reflects on his career journey, the roles he undertook, and how those experiences shaped his leadership skills. The latter part of the conversation focuses on the art of problem-solving in business, understanding clients, delivering quick tangible results, and the joy of helping others achieve their potential. Guest's Website: https://www.beyondpotential.co.nz/ and https://www.theurbanphysio.co.nz/ 00:00 Introduction 00:12 The Importance of Hard Work 00:29 First Job Experiences 02:22 School Life and Early Challenges 02:55 Finding Purpose and Overcoming Fear 04:58 Journey through University 07:09 Early Career in Hospitality 10:59 Transition into Business Consulting 14:44 Challenges in the Hospitality Industry 20:26 The Art of Selling Intangible Services 28:31 Creating Value and Building Relationships 29:51 Measuring Success and Setting KPIs 30:59 Personal Success Story: Coaching a Technician to GM 39:11 The Importance of Clear Vision and Direction 40:24 The Art of Coaching and Personal Growth 43:37 The Power of Specificity in Business Strategy 50:19 The Journey to Success: A Personal Perspective 54:29 Closing Thoughts: The Power of Belief and Vision
Chapters 00:00 Introduction 00:26 First Attempt at Cold Calling 01:04 Exploring the Pitch and Overcoming Rejections 01:45 Building Confidence and Improving the Pitch 03:33 Exploring Different Industries and Client Types 05:10 The Art of Negotiation and Closing Deals 06:47 Facing Technical Difficulties and Adapting 08:28 Continuing the Hustle and Making Progress 10:38 Reflections and Lessons Learned 12:17 Facing New Challenges and Adapting Strategies 14:35 Achieving Success and Final Thoughts 17:41 For Anyone Struggling Right Now
In the podcast, Matthew Gilligan, founder of Gilligan Rowe & Associates, shares his wealth of experience in the realm of property investment and management. Gilligan dives into the intricate strategies for successfully navigating the property field, discussing the importance of planning for potential failures and setting up for success. He details the considerations regarding asset protection, tax efficiency, estate planning, and the different facets of legal structures. Furthermore, he highlights the importance of peer review and the roles of lawyers and accountants in safeguarding assets. In addition, he discusses his ventures in property niches such as 'As Is' houses in Christchurch and land banking in Rotorua, and also provides valuable insights into managing the transfer of intergenerational wealth.Guest's Website: https://www.gra.co.nz/ Chapters 00:00 "Introduction" 00:20 "The Entrepreneurial Odyssey: Navigating Business Launch and Team Building" 02:05 "University to Self-Employment: A Tale of Academic Rebellion" 02:31 "Smart Hiring Strategies: The Cornerstone of Success" 03:33 "Door Knocking Chronicles: Challenges, Triumphs, and Everything In Between" 06:35 "Business Evolution and Asset Planning: Crafting Stability in Chaos" 10:06 "Legal and Financial Guardians: The Unsung Heroes of Asset Planning" 15:02 "Peer Review and Fact Finding: Building a Solid Foundation for Asset Planning" 18:23 "Planning for the Unthinkable: Lessons in Failure and Resilience" 22:24 "Navigating Trusts: Safeguarding Wealth for Generations" 25:31 "Estate Planning Essentials: Navigating Relationships and Legacies" 28:14 "Wealth Transition: The Delicate Art of Passing the Torch" 34:27 "Gravy Trotting Awareness: Cautionary Tales in Trust Management" 35:21 "Trust Wealth: The Domino Effect of Mismanagement" 37:13 "Trustees Matter: The Key Players in Wealth Safeguarding" 38:09 "Inheritance Timing and Financial Wisdom: Striking the Right Balance" 38:39 "Early Inheritance Risks: Nurturing Financial Literacy in Heirs" 39:45 "Estate Planning Revisited: A Holistic Approach to Financial Well-Being" 41:51 "Parental Guidance in Finance: Nurturing Money Smarts in Offspring" 42:21 "Strategic Insights into Property Investment: Beyond the Balance Sheet" 58:37 "Decoding Zoning: Unraveling the Impact on Property Investment" 01:02:27 "Precision in Property Investment: The Art of Perfect Timing" 01:04:17 "Unveiling GRA: Clientele and Services Demystified"
In this riveting episode of NZ Business Owners, host Ryan J Melton sits down with the seasoned financial expert, Dave Thomas. Get ready for a thought-provoking exploration into the world of financial planning and education in New Zealand, as Dave sheds light on the challenges and opportunities facing individuals seeking sound financial advice. Discover the key considerations when choosing the right financial advisor, as Dave shares insights into the diverse landscape of financial professionals in New Zealand. The episode takes an emotional turn as Dave recounts real stories of the profound impact insurance can have on people's lives. From navigating the complexities of trauma claims to ensuring financial security in times of uncertainty, Dave reflects on his 23-year journey in the industry. Listeners will gain valuable insights into the importance of long-term relationships built on trust, care, and a genuine commitment to making a positive difference in people's lives. Tune in to this episode to unravel the complexities of the financial world with Dave Thomas, who not only brings expertise but also a deep passion for empowering individuals to take control of their financial futures. Whether you're a seasoned entrepreneur or just starting your business journey, this episode is packed with wisdom and real-world experiences that will leave you inspired and better informed about the financial landscape in New Zealand. Don't miss out on this engaging conversation that transcends numbers and charts to reveal the human side of financial planning.
Join host Ryan J Melton on the latest episode of NZ Business Owners as he sits down with the insightful Nathan Saminathan, the Managing Director at Mortgage Masters Ltd. In this engaging conversation, Nathan shares his wealth of experience in the world of property investment, offering valuable insights into the future of property, the art of selecting the ideal tenant, and navigating challenges in property management. Delve into the future of property investment as Nathan discusses the importance of location, the potential for long-term gains, and the unique leverage provided by real estate. Discover the nuances of tenant selection, as Nathan breaks down the criteria for identifying reliable tenants, considering factors such as employment history, financial stability, and the ability to maintain the property. The conversation concludes with a deep dive into the challenges faced in property management. Nathan sheds light on issues such as tenant disputes, property damage, and the ever-evolving landscape of real estate. Tune in to gain valuable insights from a seasoned expert in the field and uncover the secrets to successful property investment. Whether you're a seasoned business owner or a budding entrepreneur, this episode is packed with practical advice and strategic tips to elevate your understanding of property investment in the dynamic New Zealand market. Don't miss out on this opportunity to learn from the best in the business – Nathan Saminathan, exclusively on NZ Business Owners. https://www.linkedin.com/in/nathan-saminathan-cfp-afa-5860276/
In this riveting episode of NZ Business Owners, host Ryan J Melton dives deep into the world of financial planning with the extraordinary Vaughn Atkin. A dedicated advocate for helping New Zealanders live their best lives, Vaughn shares his insights into crafting a fulfilling life with financial security. Starting with a captivating discussion at 45:53, Vaughn unveils his approach to making compelling offers in the financial planning space, drawing parallels with creating a personalized 'board of directors' for individuals. Learn how he envisions the future of financial planning, emphasizing a holistic approach that goes beyond mere numbers. Moving forward to46:42, Vaughn delves into his vision for an integrated business community, where individuals benefit from a network of support, events, and trusted professionals. It's not just about financial security; it's about building a community that nurtures personal and professional growth. The conversation takes an intriguing turn at 52:11 as Vaughn shares his thoughts on navigating life transitions and finding fulfillment beyond finances. Discover how he guides clients through various life stages, offering not just financial advice but a roadmap to a purpose-driven, satisfying life. Join Ryan and Vaughn on this episode of NZ Business Owners as they unravel the secrets to living your best life through sound financial advice. It's more than a podcast – it's a roadmap to empowerment and fulfillment! https://lifefirst.co.nz/
In this riveting episode of NZ Business Owners, host Ryan J Melton engages in a profound conversation with the insightful Josh Camp. Join them as they delve into the intricacies of distinguishing between good and evil (00:50:59), exploring the blurred lines of intention and morality. The discussion takes a thought-provoking turn towards the power of forgiveness (01:02:03), where Josh shares his perspective on forgiving others and, more importantly, oneself. As the conversation unfolds, the duo touches on the fascinating concept of healing through awareness and forging new pathways (01:06:09). Josh provides valuable insights into the importance of self-reflection and breaking away from patterns that no longer serve us. Discover how confronting emotions and vulnerabilities can lead to transformative healing and personal growth. Tune in to this episode to gain a fresh perspective on morality, forgiveness, and the profound impact of self-awareness. Josh Camp's wisdom will leave you inspired and equipped with valuable insights to navigate the complexities of life and business. Don't miss this enriching conversation on NZ Business Owners! https://www.linkedin.com/in/joshceo/
Join your host, Ryan J Melton, on this enlightening episode of NZ Business Owners as he welcomes a special guest, Hamish Patel, to the show. Hamish Patel has led an intriguing life with experiences that span from peculiar possum encounters to a transformative silent retreat, all while sharing insights into the world of inflation and finance. In this episode, you'll delve into Hamish's extraordinary encounter with a possum that left a lasting impression. Discover how this seemingly random encounter sparked a reflection on the balance between nature and man. Hamish also shares his intriguing journey to a silent retreat, providing a glimpse into the world of self-discovery and tranquility amidst the hustle and bustle of modern life. Learn about the challenges he faced, the revelations he experienced, and how this retreat played a significant role in his personal growth. As a financial expert, Hamish delves into the complex world of inflation and the banking system. Gain a deeper understanding of how inflation can affect both the economy and personal finances. He explains why central banks aim to maintain a balance and why inflation is necessary for the functioning of the modern financial world. Whether you're interested in unique life experiences, spiritual journeys, or financial wisdom, this episode offers a captivating blend of stories and insights. Join Ryan and Hamish on a memorable exploration of life's unexpected twists and turns. Tune in to "The Kiwi Podcast" for a delightful conversation that will leave you entertained, informed, and inspired. https://mortgagesonline.co.nz/
In this episode of "NZ Business Owners," host Ryan J Melton delves into an engaging conversation with Mela Lush, an individual whose unique insights and experience have made a significant impact in the world of business. Mela Lush shares her journey as a passionate entrepreneur, shedding light on the power of part-time work as an effective solution for small businesses and her refreshing perspective on job design and skills-led approaches. As a business owner herself, Mela offers valuable insights into the challenges and triumphs of running a small enterprise. She addresses the topics of burnout, delegation, and trust, emphasizing the importance of recognizing and overcoming these hurdles to achieve business success. Join Ryan and Mela Lush in this insightful episode, as they discuss the keys to success and innovation in the ever-evolving landscape of New Zealand's business world. Whether you're an entrepreneur, a business owner, or simply someone looking to gain fresh business perspectives, this episode offers a wealth of wisdom and inspiration for you. Tune in now and get ready to unlock new possibilities for your own entrepreneurial journey. https://www.jobsformums.co.nz/about-us/
Join us on the latest episode of "NZ Business Owners" as host Ryan J Melton interviews the dynamic Jeremy Wilson, a seasoned expert in the world of sales. In this enlightening conversation, Jeremy delves into intriguing topics that challenge conventional sales practices, explore the evolution of cold calling, and examine the future of sales within the realm of relationships and technology. Discover whether cold calls are becoming obsolete in an era dominated by digital technology, and whether the sales process is at risk of losing its human touch. Gain insights into Jeremy's perspective on how technology may shape the future of sales, and whether it will make the sales profession more relevant or push it towards obsolescence. Get ready for an engaging discussion as Jeremy introduces the concept of motivational interviewing from psychology and shares his vision for empowering sales through a unique approach. He emphasizes the importance of building meaningful relationships with clients and providing value, challenging conventional sales methods. Tune in to "NZ Business Owners" to explore the intriguing world of sales, relationship-building, and the innovative strategies that Jeremy Wilson has to offer. Don't miss this enlightening episode filled with fresh perspectives on the dynamics of sales in today's business landscape.
In this episode of NZ Business Owners, host Ryan J Melton engages in an enlightening conversation with Tim Thomas, a dynamic expert in web development and software solutions. Together, they explore the world of business transformation through the lens of technology. Join Ryan and Tim as they delve into the fascinating realm of enhancing business processes using innovative software. Tim shares his valuable insights on streamlining operations, from automating manual tasks to creating more efficient workflows. Discover how businesses can not only improve their processes but also quantify their return on investment through smart solutions. If you're a business owner or entrepreneur looking to boost efficiency and make smarter use of your resources, this episode is a must-listen. Tim and Ryan provide practical advice and shed light on the possibilities of leveraging technology to enhance your business. Tune in to learn how you can revolutionize your processes and experience a remarkable impact on your business success. http://netpotential.com/
In this episode of "NZ Business Owners," host Ryan J Melton engages in a captivating conversation with Lincoln Watson, a seasoned corporate professional with a wealth of experience in the business world. Join us as we delve into the highs and lows of Lincoln's corporate journey, exploring the challenges and triumphs of working on both the vendor and client sides of large corporations. Discover the insights Lincoln gained from his diverse experiences and how he managed to maintain a positive perspective throughout. Lincoln also shares his thoughts on the importance of building agile corporations that can pivot and adapt rapidly to changing market dynamics. Learn how he was inspired by visionary leaders to create a dynamic business environment that encourages innovation and transformation. His experiences and wisdom provide valuable lessons for entrepreneurs, business owners, and anyone looking to navigate the ever-changing landscape of the business world. Tune in to gain valuable insights from Lincoln Watson's remarkable journey and discover how his experiences can help you thrive as a business owner in New Zealand. Don't miss this engaging episode filled with anecdotes and advice from the world of corporate entrepreneurship. https://www.esphq.com/
Join us for an insightful episode of "NZ Business Owners" as host Ryan J Melton sits down with the brilliant Sam Hoh. In this engaging conversation, Sam discusses the fascinating world of automation, AI, and their profound impact on the future of work. Sam delves into the rapid rise of automation technology and its implications for the job market. He provides valuable insights into which jobs are most susceptible to automation and encourages listeners not to fear the rise of robots but to see it as an opportunity for personal growth and upskilling. The conversation then takes a thought-provoking turn where Sam raises ethical concerns about AI and automation, particularly in areas like marketing and decision-making. He highlights the unintended consequences of AI systems and their potential dangers. Finally, Sam envisions a future of work where automation transforms the way we approach employment. He discusses the importance of meaningful work, improved work-life balance, and the possibility of automating repetitive tasks, allowing humans to focus on tasks that truly matter. If you're curious about the future of work, the impact of automation, and the ethical considerations surrounding AI, this episode is a must-listen. Tune in to gain valuable insights into these rapidly evolving fields with Sam Hoh, right here on "NZ Business Owners." https://robot-hub.com/
In this episode of NZ Business Owners, your host Ryan J Melton sits down with Susan Nemeth, a seasoned entrepreneur and tech enthusiast. Susan shares her invaluable insights and experiences in scaling tech startups and developing strategic sales approaches. Susan delves into the significance of sales in the startup world and how it can be a game-changer for businesses aiming to grow. Discover the strategies and tactics that have worked for her, including leveraging strategic partnerships to gain a competitive edge. The conversation also explores the delicate balance between different roles in a startup, highlighting the importance of passion and versatility when navigating the dynamic tech industry. Whether you're a tech entrepreneur, investor, or simply interested in the world of startups, Susan's journey and expertise provide valuable lessons and inspiration. Tune in to gain a deeper understanding of the challenges and opportunities in the tech startup ecosystem and to learn how Susan Nemeth has successfully tackled them on her entrepreneurial journey. Don't miss this insightful episode of NZ Business Owners! https://aportio.com/
In this episode of the NZ Business Owners podcast, host Ryan J Melton sits down with Simon Aspden, the visionary behind Contract Eagle, a contract management solution designed to simplify and organize contracts for large businesses. Simon delves into the inception of Contract Eagle, highlighting its importance in managing contracts worth millions to billions of dollars. He emphasizes the risks, obligations, and potential losses businesses could face without a proper contract management system in place. Simon's journey from a software developer to an entrepreneur is nothing short of inspiring. He recalls the challenges he faced, from the idea's conception 20 years ago to the struggles of selling the solution in its early days. Despite the initial setbacks, Simon's determination and belief in his product's value kept him going. He shares insights into the world of corporate contracts, the importance of education in the sales process, and the evolution of Contract Eagle's marketing strategies. Tune in to hear about Simon's experiences in the legal tech space, his return to New Zealand, and how Contract Eagle has become an essential tool for businesses worldwide. Whether you're a budding entrepreneur or a seasoned business owner, Simon's story offers valuable lessons on perseverance, innovation, and the importance of understanding your customers' needs. https://www.contracteagle.com/
Join Ryan J Melton in an engaging conversation with Simon Yock on this episode of NZ Business Owners. Simon, a seasoned growth scientist, reveals the fascinating world of sales where art meets science. In this interview, Simon dives deep into the intricacies of modern sales strategies and highlights the stark contrast between treating sales as an art form and embracing it as a science. Simon shares his experiences working with New Zealand organizations and the challenges they face in understanding their sales processes, win probabilities, and customer differentiators. He emphasizes the importance of data-driven decision-making in sales growth. The discussion shifts to the American model of treating sales as a science. Simon sheds light on how this approach can revolutionize the sales landscape. The episode also explores the concept of hunters vs. farmers in sales. Simon explains the distinct attributes and strategies of these two types of salespeople and how businesses can leverage their strengths to optimize their sales teams. Tune in to gain valuable insights into the dynamic world of sales, whether you're a business owner, sales professional, or simply curious about the art and science behind successful sales strategies. Don't miss this enlightening episode of NZ Business Owners with Simon Yock. https://thegrowthscientist.com/
Join Ryan J Melton on the "NZ Business Owners" podcast as he delves into the inspiring journey of Igor Anany, a successful entrepreneur and app developer. In this episode, Igor shares his insights into the world of remote work, team motivation, and innovation. Igor discusses the challenges of maintaining humanity in a remote work environment and the strategies he employs to keep his team motivated and creative. Discover how Igor and his team found unexpected success in niche app development, including their journey to becoming the number one app in their category with thousands of satisfied users. You'll also learn about their innovative approach to creating a physical device that enhances the user experience and expands their product offerings. Whether you're an aspiring entrepreneur, a business owner, or simply interested in the world of app development and remote work, this episode offers valuable insights and inspiration. Tune in to gain a deeper understanding of how to navigate the ever-changing landscape of business and find success in unexpected places. Don't miss this engaging conversation with Igor Anany, where you'll uncover the keys to unlocking success in your own entrepreneurial endeavors. https://7glyphs.com/
In this episode of "NZ Business Owners," your host Ryan J Melton sits down with the insightful and accomplished John Halvorsen for a deep dive into the world of business strategy, pricing models, and the pivotal role of AI in modern industries. Join Ryan and John as they explore the intriguing connection between self-worth and charging models, offering valuable insights into how your pricing strategy can shape the trajectory of your business. Drawing from his extensive experience, John sheds light on the importance of understanding pricing dynamics and the profound impact it can have on client satisfaction. The conversation also takes an exciting turn towards the potential of artificial intelligence (AI). John shares his perspective on why embracing AI is not just an option but a necessity for businesses across various sectors. Learn how AI tools are poised to revolutionize productivity, streamline operations, and give your business a competitive edge. Whether you're an established business owner or an aspiring entrepreneur, this episode offers valuable lessons, thought-provoking ideas, and actionable strategies to elevate your business to new heights. Tune in to gain a fresh perspective on business success, pricing models, and the transformative power of AI. Don't miss this engaging and informative conversation with John Halvorsen, and get ready to unlock the secrets to a thriving business in the digital age. https://applicable.co.nz/
Join Ryan J Melton on the latest episode of NZ Business Owners, where he sits down with the remarkable Simone-Ellen Keller. In this insightful interview, Simone-Ellen Keller opens up about her unique journey in the world of transformational services and personal development. Simone-Ellen Keller, a true pioneer in her field, discusses the art of selling transformation and how she's been changing lives for over a decade. She shares her experiences, challenges, and strategies for building trust with clients, all while imparting invaluable insights into the process of teaching others to use her transformational methods. Discover how Simone-Ellen Keller's work has made a profound impact on countless individuals, helping them unlock their full potential. Her ten-year journey in developing a transformational process has yielded incredible results, and she generously shares her wisdom and experiences. If you're interested in personal growth, business transformation, and the power of human potential, this episode is a must-listen. Simone-Ellen Keller's story is a testament to the remarkable impact one person can make on others' lives. Tune in to this episode of NZ Business Owners for an engaging conversation that will leave you inspired and motivated to embrace transformation in your own life. https://www.linkedin.com/in/simone-ellen-keller-1188763/
In the latest episode of "NZ Business Owners," host Ryan J Melton engages in a profound conversation with John Maybury, a renowned presentation and story coach. John's mission is clear: to empower leaders and teams to communicate in a way that's not just effective, but also unforgettable. How? Through the power of authentic storytelling. In today's digital age, especially on platforms like LinkedIn, connection is the ultimate goal. Whether you're seeking a potential employer, a new customer, a strategic partner, or simply someone who can elevate your professional journey, the key lies in forming genuine connections. John delves deep into how he aids his clients and students in achieving this connection swiftly and genuinely through storytelling. This could manifest in various forms - be it content, videos, public speaking engagements, or even television appearances. John elaborates on the FOUR primary ways he assists individuals and businesses: Brand or Business Story: John emphasizes that most SMEs focus solely on their offerings. He conducts workshops and one-on-one sessions to help clients craft their brand's "founder's" story, ensuring a deeper connection with their audience. This narrative can be showcased on websites, social media, presentations, public speaking events, or networking sessions. Content Storytelling: John coaches individuals to pen content that truly resonates with their target audience. He guides them in framing their content around pivotal pillars and harnessing the art of storytelling to foster a genuine connection with their tribe. Video Training: In the visual age, video is a powerful tool. John assists clients in connecting with their ideal audience through video storytelling. From crafting the perfect narrative to delivering it professionally and filming it with just a mobile phone, John covers it all. Storytelling Workshops for Teams: For leaders managing teams, the objective is twofold: enhancing productivity (connection) and ensuring customers truly understand the brand (clarification). John's workshops are designed to help teams craft stories that achieve both these goals, effectively changing the narrative. For those eager to dive deeper into John's programs, he provides a direct link to his website. Additionally, he offers his contact details for anyone interested in reaching out directly. Discover more about John's transformative storytelling approach and programs at John Maybury's Website. Contact John Maybury: Email: john@johnmaybury.com Phone: +64 221 995 993 Consultation: Book Here Tune in to this episode to gain insights into the world of authentic storytelling and learn how it can revolutionize your communication strategy. Chapters-
Welcome back to NZ Business Owners, the podcast where we dive deep into the world of entrepreneurship and uncover the secrets to achieving success in the business landscape of New Zealand. In today's episode, your host Ryan J Melton has a captivating conversation with the remarkable Ben Marris, a seasoned business expert and innovator. Join us as we explore key takeaways from Ben's extensive experience, drawing insights from his intriguing journey and the wisdom he's gained along the way. Discover how Ben unraveled the hidden value of intangible assets and the pivotal role they play in driving business growth. Learn how he transformed chaos into consistency by mastering the art of building efficient systems, a journey that many business owners can relate to. But that's not all; we also delve into the delicate balance between processes and innovation. Ben shares his perspective on how world-renowned companies like Amazon maintain innovation in their regimented business models. Discover practical tips and strategies to infuse innovation into your own business journey while staying committed to process improvement. Tune in for an episode filled with valuable insights, intriguing anecdotes, and actionable advice for entrepreneurs and business enthusiasts alike. Ben Marris's expertise shines through as he provides unique perspectives on the challenges and triumphs of the business world. If you're a business owner looking to unlock new levels of success or an aspiring entrepreneur seeking guidance from the best, this episode is a must-listen. Join us as we embark on a journey of discovery with Ben Marris on NZ Business Owners. https://www.eventcreate.com/e/connectornz
Welcome to another enlightening episode of "NZ Business Owners." Join your host, Ryan J Melton, as he engages in a thought-provoking conversation with Tibor Mackor, the driving force behind bbstrategies.co.nz. In this episode, they explore the strategies, insights, and experiences that have propelled businesses to new heights under Tibor's guidance. Tibor Mackor shares his wealth of knowledge and expertise on a unique self-firing process he has developed. This innovative approach addresses performance issues in businesses with a consultative twist. Tune in to discover how Tibor helps businesses identify problems, set expectations, and build constructive agreements that empower employees to excel. The episode delves into leadership and the essential balance between measuring employee performance and recognizing the role of leaders in achieving collective goals. Tibor's consultative perspective shines a light on effective leadership strategies that foster productivity and personal growth within an organization. As the conversation progresses, they touch upon the challenges of the modern digital age, particularly concerning the impact of excessive screen time on children. Tibor and Ryan share their own insights into parenting in the digital era, offering valuable advice on striking a balance between screen time and character development. Additionally, the discussion explores the potential long-term consequences of excessive screen use, including physical health issues and social skill development. Tibor Mackor's pragmatic solutions and Ryan's thought-provoking questions make this episode a must-listen for business owners, parents, and anyone seeking to unlock their potential. Join us for an inspiring conversation with Tibor Mackor of bbstrategies.co.nz as he shares his expertise on business strategy, leadership, and the evolving dynamics of screen time in today's world. Get ready to elevate your business and personal life with insights from "NZ Business Owners." https://bbstrategies.co.nz/
In this captivating episode of NZ Business Owners, host Ryan J Melton sits down with the insightful and engaging Josh Cox for a deep dive into the world of strengths, fulfillment, and creating transformative learning environments. With a career dedicated to helping individuals and teams unlock their true potential, Josh shares his expertise and experiences, revealing how confirmation bias can be conquered, the value of active listening, and the importance of fostering safe and informal spaces for growth. Discover how Josh's unique approach to coaching and self-awareness can reshape your perspective on leadership, teamwork, and personal development. Whether you're a business owner, manager, or someone looking to maximize your own strengths, this episode offers valuable insights and practical strategies to elevate your professional and personal life. Tune in to "Unmasking Strengths and Fulfillment with Josh Cox" to gain a fresh perspective on harnessing your strengths and creating a culture of growth and fulfillment in your workplace. Don't miss this thought-provoking conversation that promises to leave you inspired and motivated to bring out the best in yourself and those around you. yellowumbrella.co.nz
In this captivating episode of NZ Business Owners, your host Ryan J Melton dives into the world of effective communication with the remarkable Farbod Afshar. As a seasoned marketing professional, Farbod brings his unique insights into the art of argument, the power of listening, and the delicate balance between ethics and profit in business. Join Ryan and Farbod as they explore how willingness to admit you could be wrong can lead to more fruitful discussions, the value of truly listening in conversations, and how, in the world of marketing, the responsibility of outcomes ultimately lies with the individual making the choices. Farbod Afshar's experiences and perspectives will challenge your thinking and provide valuable takeaways for business owners and entrepreneurs looking to improve their communication skills and make more informed decisions. Don't miss this engaging conversation that delves deep into the intricacies of persuasion and communication. Tune in now! avconsulting.co.nz
Join us for an inspiring episode of "NZ Business Owners" as we sit down with the extraordinary Debra Chantry-Taylor. With a passion for helping entrepreneurs and leaders live their "best life" by creating better businesses, Debra is a seasoned business owner, Accredited EOS Implementer®, FBA Accredited Family Business Advisor, and Certified Leadership Coach.In this conversation, Debra shares her wealth of knowledge and practical real-life experience, emphasizing the importance of aligning business goals with personal passions. Her mission is clear: to enable business owners and their leadership teams to excel in performance, live their vision and values, make a significant difference in their communities, and achieve a harmonious work-life balance.Having worked with over 600 business owners and their leadership teams, Debra has earned recognition as a leading business coach in New Zealand. She draws from her own experiences of business growth and setbacks, using these insights to empower her clients to overcome challenges and celebrate successes, often with a glass of Champagne in hand! 🥂Beyond her impressive business credentials, Debra is a global citizen with a love for adventure and exploration. Her travels and global experience have enriched her coaching style, allowing her to challenge the status quo and inspire her clients to reach new heights.Outside of the business realm, Debra leads a beautifully balanced life with her husband, Steve, and their furry companions. She's an avid nature enthusiast, a sports car aficionado, and a proud multi-trophy winner in horse riding, go-karting, dog agility, and tennis 🏅. She speaks multiple languages and cherishes the lifelong journey of learning, symbolized by a meaningful tattoo that reminds her that, even as mentors, we are always students at heart 💖.To embark on your own journey to #BetterBusinessBetterLife, connect with Debra Chantry-Taylor at https://www.eosworldwide.com/debra-chantry-taylor, and discover how her expertise can transform your business and life. For a quick discovery call, you can reach her at 021 332 007 or book online at https://calendly.com/debra-chantry-taylor/business-coaching-quick-discovery-call.Don't miss this insightful and inspiring episode with Debra Chantry-Taylor, where passion, business acumen, and the pursuit of a fulfilling life converge. Tune in now!
In this episode of NZ Business Owners, your host Ryan J Melton sits down with Braden Dawson, the Founder of Web Antler and a true powerhouse in the world of digital marketing. Braden is a seasoned expert known for his unwavering commitment to achieving exceptional results for his clients through innovative strategies and tactics. With over a decade of experience meticulously dissecting campaign data, Braden has honed his skills in identifying gaps and opportunities, ultimately driving peak performance across digital channels. His relentless focus on delivering tangible results has made him a standout figure in the industry. Before embarking on his journey with Web Antler, Braden made his mark at multinational agencies such as FCB and OMD. There, he worked on prestigious digital brands including Spark, AMP, AA Insurance, Rabo Bank, and BMW. In 2017, Braden took the plunge and founded Web Antler, driven by a desire to do digital marketing better and smarter. His mission: to provide ambitious brands with access to the top-tier talent, innovative thinking, and resources typically only available through large agencies. Join Ryan and Braden as they delve into the world of supercharged digital marketing. Discover the secrets behind crafting seasonal and annual campaign strategies that deliver outstanding search and advertising performance. Braden's passion for quality and standout campaign results shines through as he shares his insights into using technology in a fundamentally smarter way, ensuring your business not only reaches the right audiences but also converts them into loyal customers. If you're a business owner looking to take your digital marketing efforts to the next level, this episode is a must-listen. Tune in to gain invaluable knowledge and inspiration from one of New Zealand's leading digital marketing experts, Braden Dawson, as he unravels the secrets to achieving greater ROI and elevating your brand's online presence. webantler.co.nz
Join us on this episode of "NZ Business Owners" as Ryan J Melton interviews Dion Sadler, a seasoned professional with extensive experience in Retail, Business, Commercial, and Corporate Banking. Dion's journey has led him to appreciate the significance of strategy and business risk management, delivering results beyond expectations, and fostering relationships. In this insightful conversation, Dion shares his observations about the evolving landscape of banking and technology. He discusses the shifting dynamics in compliance, the rising burden on bankers, and the imperative for banks to adapt to new technological advancements. As compliance becomes more demanding, banks are prompted to explore innovative ways to streamline their processes and decision-making. Dion also delves into the emergence of non-bank funders and how technology is reshaping the lending landscape. With his unique insights, Dion addresses the concept of "investability" in small to medium businesses, emphasizing the need for businesses to understand and communicate their financial data effectively. He highlights the changing role of banks as technology transforms interactions between lenders and borrowers. Dion's expertise sheds light on the potential of technology-driven solutions to reshape business financing and decision-making processes. Tune in to this episode to gain valuable insights into the future of banking, the transformative impact of technology, and the evolving relationship between businesses and financial institutions. Whether you're a business owner, entrepreneur, or someone interested in the ever-changing financial landscape, Dion Sadler's perspectives offer a valuable glimpse into the possibilities that lie ahead.
Join us on this episode of NZ Business Owners Podcast as Ryan J Melton sits down with Tim Warren, author, entrepreneur, and thought leader. Tim takes us on a journey through his insights on randomness, success, and embracing failure. In this engaging conversation: Tim delves into his book "By Randomness," exploring the concept of luck and talent in success. He shares how luck plays a role in finding one's unique talent and pursuing it relentlessly. Tim discusses the importance of consistency and iteration in achieving success. He draws parallels between musicians, like Ringo Starr and lesser-known drummers, to emphasize the significance of being in the game and continuously improving. Tim introduces the idea of doing things that support each other in a balanced manner. He shares his experiences of balancing various pursuits and explains how certain activities can complement each other over time. Tune in to gain valuable insights from Tim Warren's journey, where he shares his wisdom on success, failure, resilience, and the pursuit of happiness.
At the outset, Ramneek Kaur reflects on her realization that happiness is non-negotiable. From a successful career to a challenging marriage, she shares her story of navigating through the storm of adversity and making courageous choices. Throughout this podcast, you'll hear about: • The journey from colleagues to life partners, and how unexpected turns changed everything. • The lockdown twist: Being trapped in a relationship she was trying to escape. • A path to freedom: Transitioning from a women's refuge to a new beginning. • Lessons learned: Recognizing self-worth, the importance of independence, and the power of resilience. • Breaking stereotypes: Embracing solo travel and defying societal expectations. • Choosing happiness over societal pressures and expectations. Chapters 00:00 - Introduction 03:16 - Making Life-Changing Decisions 08:13 - Questioning Cultural Norms 13:49 - Learning to Navigate a New Country 16:37 - The Journey of Self-Discovery 19:03 - Overcoming Setbacks and Challenges 19:24 - Embracing Change: Journey to New Zealand 20:00 - Identity Struggles: Unemployment and Self-Worth 25:06 - Battling Rejections: Challenges in Job Hunting 32:10 - Finding Resilience: Entrepreneurial Pathway 36:54 - Cultural Perceptions: Coping with Depression 38:11 - From Rock Bottom to Entrepreneurship 39:11 - Embracing Remote Work and Passion 41:15 - Navigating Accents and Cultural Influences 45:01 - Effective Communication and Alleviating Client Frustrations 48:56 - Value of Investing in Online Presence 51:05 - Personal Experience with Meditation Retreat 52:35 - Exploring the Nature of Meditation and Life's Purpose 53:34 - Challenging Meditation's Impact and Purpose 56:06 - Understanding Healing and Meditation 1:00:22 - Viewing Life as a Game and Accepting Roles 1:05:08 - Balancing Ambitions and Fulfillment 1:09:08 - Challenging Ambitious Goals and Their Intentions 1:10:55 - Changing Perspectives and Guiding Questions 1:13:39 - Predestination, Questioning, and Personal Growth 1:15:25 - Impact of Conversations and Authenticity
In this riveting episode of the NZ Business Owners podcast, host Ryan J Melton sits down with the dynamic Katherine Steffensen, a digital marketing director with a flair for strategic client relationships. Katherine takes us on a journey through her world, where the realms of digital marketing and yoga seamlessly intertwine. Discover the transformative power of yoga, not just as a physical regimen but as a profound journey of self-discovery. Katherine delves deep into the essence of trust in business, revealing how it molds the path to success. Katherine is not just a digital marketing maven; she's a beacon for businesses in NZ and beyond, offering tailored digital strategies and a dedicated team to bring them to life. Whether you're a straight retail B2C business, a B2B e-commerce entity, or a complex network relying on resellers, Katherine's expertise can guide you. In a rapidly evolving marketing landscape, where authenticity trumps pushy tactics, Katherine and her team champion genuine messaging, strategic e-commerce growth, and technology solutions tailored for scalability. But who is Katherine outside the boardroom? A dedicated mother, a yoga enthusiast, and a firm believer in starting her day with meditation or yoga. She's the embodiment of energy, clarity, and vibrancy, always striving to give her best to clients, friends, and family. So, if you're keen to explore the nexus of business growth, authentic marketing, and personal well-being, this episode is a must-listen. Dive in and let Katherine's sparkling personality and profound insights illuminate your path. splash digital.co.nz
Join Ryan J Melton as he sits down with the ever-engaging Simon Walker, once fondly nicknamed "Simon Walker Cricket Talker" by his Year 4 teacher. From his early days of being the chatterbox in pre-school to his current role leading a dynamic team at Proposition, Simon's journey is a testament to passion and evolution. In this episode, they delve into the intricacies of 'deep work' and its transformative role in today's bustling work environment. Simon offers invaluable insights into the challenges of flexible work schedules and the unparalleled benefits of having dedicated focus days. But it's not all business. Simon's unwavering belief in the power of storytelling takes center stage. In our fast-paced world, he emphasizes the profound importance of human connection, especially in the tech industry. For Simon, it's not just about selling a product; it's about building genuine relationships through compelling narratives. If you've ever been curious about where storytelling intersects with technology and its potential to reshape our world, this episode promises a deep dive into the heart of the matter. So, grab your headphones and a cup of ☕️, and immerse yourself in this enlightening conversation.
Proposition.co.nz
In the latest episode of the NZ Business Owners podcast, host Ryan J Melton welcomes Laura & Raymond McKay, the visionary founders of RUN, a Māori-owned, globally awarded advertising and design agency. Established in 2008, RUN has carved a niche for itself by seamlessly blending creativity with business acumen. The McKays delve into the intricacies of brand management, the essence of authentic client relationships, and the significance of understanding and honoring one's roots in the corporate realm. RUN's ethos is refreshingly simple yet profound: creativity is not just an artistic endeavor but a powerful tool to solve organizational challenges, making brands both loveable and shareable. The agency's streamlined operational structure, devoid of the cumbersome layers typical in traditional agencies, ensures that each project is handled with utmost precision and passion. Each member of RUN's leadership team brings to the table unparalleled expertise, having worked at the zenith of their respective fields. With a client roster that boasts of names like the United Nations, Tourism New Zealand, 2degrees, and Auckland Council, RUN's work speaks volumes of their commitment to excellence. This episode promises a deep dive into the world of design and advertising, offering invaluable insights for budding entrepreneurs and seasoned professionals alike. Don't miss out on this enlightening conversation! www.runwithrun.com
In this riveting episode of the "NZ Business Owners" podcast, host Ryan J Melton sits down with the illustrious Lwindi Ellis, a beacon in the world of PR and communications. Lwindi's journey is nothing short of inspiring. With a career that spans nearly two decades, she has been the driving force behind world-leading consumer brands, government departments, tourism boards, and more. Dive deep into the art of storytelling with Lwindi, where she reveals how every narrative can inspire and transform. Discover the magic she weaves in crafting genuine messages that resonate deeply with audiences. Having held pivotal roles in global advertising agencies and leading award-winning communications companies, Lwindi's expertise spans sectors from Health and FMCG to Technology and Advocacy Marketing. In 2019, her passion for aiding purpose-driven organizations birthed Raise Communications, a testament to her commitment to creating a positive impact. As a creative and strategic powerhouse, Lwindi shares insights on developing campaigns that not only create positive outcomes but also ignite a passion for authentic communication. Tune in to learn from Lwindi's vast experience and get inspired by her journey of staying relevant in an ever-evolving world. Whether you're a budding entrepreneur or a seasoned business owner, this episode promises a wealth of knowledge and inspiration. Join us and let Lwindi's story ignite your passion for genuine storytelling and impactful communication. www.raisecommunications.co.nz
Once upon a time in the bustling world of digital marketing, a group of creative minds gathered to share their secrets, and on this episode of "NZ Business Owners," your host Ryan J Melton sits down with the dynamic duo - Rory Wyatt and Tash Gate. Join us on a captivating journey through the realm of social media marketing, the art of website building, and the skill of convincing clients to invest. Rory Wyatt, a visionary strategist, and Tash Gate, a brilliant mastermind of design, come together to narrate their enthralling adventures in the digital landscape. Listen closely as they recount tales of hunting down "whales" - those elusive, game-changing clients that transform businesses overnight. Discover their expert strategies for navigating the challenges that arise when serving both small and big clients, while maintaining the magic of personalized attention. As they delve into their experiences, you'll witness the very essence of innovation taking shape. From breaking new ground in social media marketing to pioneering novel approaches in website building, Rory and Tash have revolutionized the industry, raising the bar for their peers and competitors alike. In this episode, they'll reveal the secrets behind their most successful campaigns, share their insights on the evolving trends in digital marketing, and provide practical tips for business owners aiming to thrive in the ever-changing digital landscape. Learn how they've honed their skills to craft tailored solutions for clients, leaving a trail of satisfied customers and growing businesses in their wake. Join us for an inspiring tale of ambition, creativity, and triumph as these marketing wizards unveil their playbook for success. Whether you're an established business owner or an aspiring entrepreneur, the wisdom shared in this episode promises to guide you towards unlocking the full potential of your digital marketing endeavors. Don't miss this opportunity to gain invaluable insights from two of the brightest minds in the industry. Tune in to "NZ Business Owners" and immerse yourself in the world of digital marketing mastery with Rory Wyatt and Tash Gate! https://nakedmarketing.co/
Welcome to a thought-provoking episode of NZ Business Owners, where host Ryan J Melton sits down with the esteemed guest, Ranald Hendriks, for a captivating masterclass on human capital and organizational values. In this comprehensive guide, they delve into the fascinating evolution of human resources, with a profound focus on embracing ability over bias. In this episode, Ranald Hendriks, a renowned expert in human behavior and organizational culture, unravels the complexities of the behavioral approach to recruitment. Discover how understanding human behavior can unlock the true potential of individuals, leading to more inclusive and effective hiring practices in any organization. The duo explores the systematic definition of values and how they play a crucial role in shaping the foundation of successful companies. Learn how to identify, communicate, and uphold core values that drive positive outcomes and foster a cohesive company culture. One of the highlights of this discussion is the innovative ways to align performance reviews with organizational values. Ranald offers valuable insights into creating performance evaluation systems that encourage growth, foster collaboration, and reinforce a shared sense of purpose. Moreover, the podcast ventures into the fascinating world of learning pedagogies, exploring how individuals absorb and process information in diverse ways. Ranald Hendriks shares strategies and techniques that educators and HR professionals can employ to optimize learning experiences and empower their teams to thrive. Whether you; 're an educator, an HR professional, or someone intrigued by the intricate dynamics of human behavior and organizational culture, this episode will undoubtedly offer valuable takeaways and fresh perspectives. Tune in to this enriching conversation between Ryan J Melton and Ranald Hendriks to gain profound insights into human capital and unleash the full potential of your organization. Join us for an enlightening episode of NZ Business Owners, where we explore the power of embracing ability over bias, defining values, aligning performance reviews, and understanding diverse learning pedagogies. Get ready to elevate your understanding of human resources and organizational culture on this captivating journey with Ranald Hendriks. https://www.starsflight.io/ https://www.linkedin.com/in/ranaldhendriks/
In this insightful episode of "NZ Business Owners," host Ryan J Melton sits down with Ben Paul, a seasoned professional in the field of sales and business strategy. Ben shares his journey from working with his first sales mentor in London to founding his own business, focusing on teaching finance for non-financial managers. Throughout the conversation, Ben emphasizes the importance of integrity, fairness, and the art of silence in building client relationships. He believes that everyone has the ability to foster these relationships, with introverts often excelling due to their listening skills. Ben also discusses his passion for books that have shaped his thinking, such as "Smarter Selling" and "Playing to Win." These works have influenced his practical approach to building trust and developing actionable and tangible business strategies. The conversation takes a personal turn as Ben reflects on his legacy and the mark he wants to leave on the world. He aspires for his business to continue impacting people and helping them achieve their goals, even long after he's gone. The episode concludes with a light-hearted challenge, where Ben commits to starting his book in January, symbolizing his dedication to continuous growth and learning. Tune in to this episode to gain valuable insights into sales, relationship-building, and the pursuit of meaningful success in the professional world. https://bdladder.com/ https://www.linkedin.com/in/benpaulbdm/
In this captivating episode, we embark on a journey that weaves together a tapestry of thought-provoking ideas. We begin by exploring the concept of God, pondering its role as an ancient compass that guided societies towards prosperity through a universal moral code. This moral compass then leads us to question the authenticity of global warming, hinting at a potential money-making scheme. The same moral lens is applied to the bustling world of e-commerce, where we observe a race towards sustainability. Yet, we can't help but wonder: are companies genuinely embracing green practices or merely ticking boxes? Our journey then takes an unexpected turn as we uncover the hidden connections between seemingly unrelated entities - tire companies, restaurants, and the true value of diamonds. We delve into the gritty reality of lithium extraction, a topic that resonates with our earlier discussion on sustainability. As we navigate this labyrinth of ideas, we stumble upon the theory of the bicameral mind. We speculate if our diet, specifically the advent of carbohydrates, could have influenced our brain's divide, shaping our perception of reality.
Join us on the NZ Business Owners podcast as we interview Waldo Van Niekerk, a Senior Digital Strategist from Zyber. https://www.linkedin.com/in/waldo-van-niekerk-09765274/ https://www.youtube.com/@ZyberCoNz https://www.zyber.co.nz/
Chapters: 00:00 - Introduction 01:00 - The Influence of Religious Values in Everyday Life 20:16 - Understanding What Sets Us Apart 21:03 - Overcoming Sales Obstacles 23:20 - Fulfillment Through Helping Business Owners 31:50 - The Power of Perspective 34:11 - The Art of Saying No 40:59 - Embracing Freedom and Failure 48:48 - The Impact of Overpopulation and Procreation 49:10 - China's Demographic Challenges and Downfall 49:42 - The Ethical Dilemma of Profiting from Retirement Homes 50:13 - Human Impact vs. Natural Phenomena on Global Warming 50:58 - The Dark Side of Lithium Mining for Sustainable Products 52:14 - Living Life as Yourself and Breaking Free from Expectations 53:28 - The Journey to Overcoming Father's Expectations 55:33 - Love and Acceptance: The Best Way People Can Love You 57:24 - The Radical Effects of Sheltering Kids from Social Environments 01:01:42 - The Impact of Social Media on Self-Esteem 01:02:24 - Parenting Dilemmas: Balancing Protection and Social Interaction 01:03:09 - The Thin Line of Controlling Parenting and Its Consequences
Join us on the latest episode of NZ Business Owners as Ryan J Melton sits down with the dynamic Phil Dossett, Director, Growth Specialist at Engage Digital, a leading digital marketing agency based in Auckland. In this engaging conversation, Phil takes us on a journey through the world of growth marketing and its transformative impact on businesses in the Auckland region and beyond. As a growth marketing agency, Engage Digital goes far beyond the conventional realms of website design and digital advertising. Instead, they focus on optimizing their clients' sales and marketing strategies to drive maximum business returns. Phil shares how their team at Engage crafts websites and applications that act as invaluable assets, seamlessly integrating into every facet of an organization's communications. It's not just about creating an online presence; it's about delivering tangible results and an impressive return on investment for their clients. Phil's expertise and experience as a Growth Specialist shine through as he delves into the suite of services Engage offers, including online advertising, Adwords, SEO, marketing automation, sales promotions, and much more. Whether it's a startup or an established enterprise, Engage Digital is driven by a clear vision: to be recognized as a successful growth marketing agency with a relentless commitment to delivering results for their clients. Tune in to this enlightening episode of NZ Business Owners to gain valuable insights into the world of growth marketing, how it can empower businesses to thrive, and the innovative strategies that Engage Digital employs to stay at the forefront of their industry. If you're an entrepreneur, business owner, or marketing enthusiast, you won't want to miss this inspiring discussion with Phil Dossett on driving business growth through the power of digital marketing. 🚀 https://engagedigital.co.nz/ https://www.linkedin.com/in/phildossett/
In this episode of "NZ Business Owners," host Ryan J Melton sits down with Nick Manarangi, a marketing agency and sports media owner, to dive into the realm of digital business, marketing strategies, and the impact of social media. Nick, the director of Ryze Digital in New Zealand, shares his insights on how nonprofits and businesses can maximize their online presence to make a greater impact. As an advocate for positive change, Nick and his team at Ryze Digital are passionate about leveraging the power of digital marketing to create a lasting difference in the world. With a wealth of experience in the industry, Nick discusses the importance of effective digital marketing techniques, including social media marketing, content creation, and community management. Beyond his role as a marketing agency director, Nick is also the owner of Warriors Fan TV, where he has gained invaluable expertise in social media trends and the art of engaging content. He shares his firsthand knowledge on video production, content creation, and community management, highlighting the strategies that have driven success for his channel. Join Ryan and Nick as they explore the world of digital marketing, uncovering valuable insights and actionable advice for business owners, nonprofit organizations, and marketing enthusiasts alike. Tune in to discover how to navigate the evolving landscape of digital business, unleash the potential of your marketing agency, and make a meaningful impact in the era of social media. Our link: https://www.onedayclips.co.nz/ Guest Links https://www.youtube.com/@WarriorsFanTV https://ryze.co.nz/
In this episode of NZ Business Owners, host Ryan J Melton sits down with Samantha Thornton-Jones, the Managing Director and Digital Designer at Skyrocket, a leading web design and development agency based in Auckland, New Zealand. Samantha is a branding and marketing expert, with a keen eye for creating captivating online presences. With a wealth of experience in the industry, Samantha shares her insights into the world of #branding, #marketing, #websitedesign, and #websitedevelopment. She delves into the importance of crafting engaging websites that resonate with target audiences and seamlessly align with the overall brand identity. During their conversation, Samantha highlights her passion for assisting startups and small/medium businesses in creating websites that are not only visually stunning but also intuitive to use. She emphasizes the significance of user experience and how it can impact a company's online success. Samantha's expertise extends beyond design, as she discusses the intersection of sales, e-commerce, and website development. She sheds light on the tools and platforms she utilizes, such as Webflow and Shopify, to empower businesses in achieving their online goals. Tune in to this episode of NZ Business Owners to gain valuable insights from Samantha Thornton-Jones on how to transform your online presence, build engaging websites, and harness the power of effective branding and marketing strategies. Whether you're a business owner, aspiring entrepreneur, or simply interested in the digital landscape, this conversation is sure to inspire and inform. https://www.skyrocket.nz/
Join Ryan J Melton in an insightful conversation with Rebecca Caroe, the voice behind 'Creative Agency Secrets', on the latest episode of NZ Business Owners podcast. As a B2B strategic marketing and digital business specialist, Rebecca brings 12 years of experience in the field, having worked in Australasian, European, and US markets. Her expertise lies in tactical digital marketing, search engine marketing, and direct response copywriting, making her the go-to person for businesses looking to enhance their marketing strategies and outcomes. But that's not all. Rebecca's deep-rooted passion for rowing has played a significant role in her life. From rowing at Cambridge University to serving as an Independent Adviser for the Cambridge University Women's Boat Club for 24 years, her involvement in the sport is extensive. In fact, she even commentated for the BBC at the 2012 London Olympics. With a wealth of knowledge as a volunteer rowing coach and a former Director of Rowperfect UK Ltd, Rebecca understands the transformative power of rowing and how it can be applied to business and team building. In 2013, she launched the 'RowingChat' podcast, where she explores the parallels between high-performance sports and business success. With a combined global audience of 250,000+, Rebecca's podcasts have become a go-to resource for those seeking to unlock their potential and build remarkable brands and teams. During the podcast episode, Rebecca shares her insights on the rapidly evolving digital landscape and the importance of continuous learning. She discusses her connections with influential thought leaders and innovators, such as Don Peppers, Mitch Joel, Blair Enns, and Euan Semple, who have shaped her understanding of B2B marketing and provided valuable tools for businesses. But Rebecca's expertise extends beyond marketing. She emphasizes the significance of good governance in building robust businesses and draws from her experience of growing and selling her own global e-commerce business. As a board member of Rose & Thorne, she remains at the forefront of the latest marketing and business technologies, bringing analytical, communication, and practical problem-solving skills to the table. With her dedication to helping others, Rebecca has served as a business mentor for Lightening Lab and Innes48, supporting and nurturing aspiring entrepreneurs. As an accomplished public speaker and educator, she regularly delivers keynotes, workshops, and seminars, sharing her wealth of knowledge with enthusiastic audiences. Tune in to this engaging episode as Ryan J Melton and Rebecca Caroe dive deep into the world of B2B marketing, rowing, personal growth, and the secrets to thriving in today's dynamic business environment. https://creativeagencysecrets.com/
In this episode of NZ Business Owners, host Ryan J Melton sits down with Mohit Nain, a highly experienced and accomplished accountant. With a diverse background in the freight, environmental services, hospitality, and transport industries, Mohit brings a wealth of knowledge and expertise to the table. Throughout the conversation, Ryan delves into Mohit's professional journey and highlights his strong skill set in various accounting domains. From his proficiency in SAP, PowerBI, Cognos, Microsoft AX Dynamics & D365, Xero, MYOB, and RMS, to his strategic implementation of operational processes, Mohit's abilities as an accounting professional shine through. The discussion further explores Mohit's contribution to improving costing processes, managing financial accounting, ensuring tax compliance, and handling commercial audits. Listeners will gain valuable insights into his expertise in budgeting and forecasting, management accounting, and country-by-country reporting. With his current role as a Financial Controller at DHL Express and previous positions at EnviroWaste, SkyCity Entertainment Group, and GS Ltd, Mohit's experiences are varied and offer unique perspectives on financial management in different industries. He shares anecdotes and valuable lessons learned from his roles as an Accountant, Assistant Accountant, and Accounts Payable Administrator. Tune in to this episode of NZ Business Owners to gain deep insights into the world of accounting and finance across multiple industries. Whether you're an aspiring entrepreneur, a seasoned business owner, or simply curious about the financial aspects of different sectors, Mohit Nain's expertise and experiences will provide you with valuable knowledge and inspiration. linkedin.com/in/mohit-nain-ca-7b47a0132
In this episode of the NZ Business Owners podcast, host Ryan J Melton sits down with Kagwa Kironde, the Founder and Managing Director of Dream Config, a New Zealand-based digital agency that's making waves in the world of digital strategy, website design, development, and growth marketing. With over 13 years of experience at the helm of Dream Config, Kagwa has been instrumental in helping small to medium-sized businesses scale and achieve international growth. His unique approach to connecting people with the products and services they believe in has set a new standard in the digital industry. Before founding Dream Config, Kagwa honed his skills at Digital Foundry, where he played a key role in architecting and developing user-centric software solutions for global industry leaders. His ability to translate modern development to conservative decision-makers proved invaluable in shifting the company's focus from legacy platforms to more modern development environments. Join us as Kagwa shares his insights on digital strategy, the challenges of scaling a business, and the future of digital marketing. Whether you're a budding entrepreneur or an established business owner looking to expand your digital footprint, this episode is packed with valuable insights and practical advice. Don't miss it! https://dreamconfig.co/
In this episode of NZ Business Owners, host Ryan J Melton sits down with the remarkable Cathy Mellett, Director of Net Branding, Keynote Speaker, Digital Marketing Consultant, Author, and Founder of the I'm Enough Charitable Trust. With an extensive career spanning over three decades in the information services industry, Cathy brings a wealth of unrivaled experience to support her clients' online aspirations in an ever-evolving digital world.
Having witnessed the emergence of the internet before it became mainstream, Cathy established Net Branding in 2009 after spending 20 years in advisory and management roles. Recognizing the immense potential of social media for businesses early on, she played a pivotal role in assisting numerous companies in New Zealand and internationally with successful social media profiles, websites, and digital strategies. But Cathy's journey didn't stop there.
In 2017, Cathy became increasingly concerned about the darker side of social media and its impact on young people. This led her to establish the I'm Enough Charitable Trust in 2018, focusing on stress relief, acceptance, and providing personal validation tips and life strategies for success in the digital era.
As a keynote speaker and digital marketing consultant, Cathy's mission is to place her clients firmly into the conversation, tailored to where their audiences meet, and focused on core business objectives. By providing an authentic platform to extend brand messages, boost trade, and build authority, Cathy and her team at Net Branding have thrived in the ever-expanding online world.
Join Ryan and Cathy as they delve into the power of search engine optimization (SEO), online branding, and the continuous learning and development that underpin Net Branding's approach. Discover how Cathy's strategic management background and unwavering dedication to capturing market segments effectively have enabled businesses to flourish.
If you're ready to take your business further, faster, then this episode is a must-listen. Tune in and gain valuable insights from Cathy Mellett, an industry pioneer, as she shares her expertise on leveraging the digital landscape to empower business success.
https://imenough.co/
https://netbranding.co.nz/
In this episode of NZ Business Owners, host Ryan J Melton sits down with the renowned British-born entrepreneur, author, and lecturer Richard Conway, who has made his mark in New Zealand's business landscape. As the founder of Pure SEO, co-founder of iCompare, and Toru Creative, Richard has become a leading authority in the world of search engine optimization (SEO) and digital marketing. During their conversation, Ryan and Richard dive into Richard's entrepreneurial journey, starting with the inception of Pure SEO back in 2009. They explore the challenges he faced, the strategies he employed, and the growth that led Pure SEO to be recognized on prestigious lists such as Deloitte Fast 50 and Asia Pacific Technology Fast 500. They also discuss the honor of receiving the Best Emerging Business Award at the 2014 Westpac Auckland Central Business Awards. Beyond Pure SEO, Richard shares insights into his co-founded ventures, iCompare and Toru Creative, shedding light on the innovative ideas behind these successful projects. Listeners will gain a valuable understanding of the intricacies of the insurance industry and how Richard has leveraged his expertise to disrupt and enhance the market. As an author, Richard published the highly acclaimed book, "How to Get to the Top of Google Search: A Practical SEO Guide." Ryan and Richard explore the key principles and strategies covered in the book, helping business owners and marketers navigate the complex world of SEO to improve their online visibility and drive organic traffic. Throughout the episode, Ryan delves into Richard's role as a lecturer, speaker, and judge at various industry events, showcasing his commitment to sharing knowledge and shaping the future of marketing. They discuss Richard's appearances at the Marketing Association's Digital Day Out and the TVNZ NZ Marketing Awards, where his expertise and insights have made a lasting impact. Join Ryan J Melton as he engages in a captivating conversation with Richard Conway, where they uncover the secrets to climbing the ranks of Google search results and unravel the mindset of a successful entrepreneur in the ever-evolving digital landscape. Whether you're a business owner, marketer, or aspiring entrepreneur, this episode is a must-listen for those looking to make their mark online and thrive in today's competitive business world. httpspureseo.com
In this episode of NZ Business Owners, host Ryan J Melton sits down with Alex Redford, an accomplished executive with extensive experience in digital marketing and advertising. With a strong background in strategy, transformation, programmatic advertising, and performance media, Alex has played a pivotal role in the growth and development of iProspect New Zealand and Amnet, Dentsu Aegis's Trading Desk. As the leader of a rapidly expanding team, Alex shares insights into his collaborative leadership style, navigating board-level stakeholders, and fostering the professional development of his team members. He emphasizes the importance of simplifying complex digital products and solutions to drive success in the fast-paced digital landscape. Join Ryan and Alex as they delve into the strategies behind iProspect's remarkable growth, transitioning from a three-person SEM team to becoming New Zealand's most recommended performance agency with a team of over 20 experts. Alex also highlights his role in shaping the strategic focus of key clients across the group, and his involvement as a founding member of DAN's Innovation Council, which aims to foster innovation within client relationships and internal processes throughout Australia and New Zealand. Whether you're a business owner, marketing professional, or simply curious about the ever-evolving world of digital marketing, this episode offers valuable insights from a seasoned industry leader. Tune in to gain practical knowledge and inspiration to drive your own digital transformation and performance marketing efforts. d3.co.nz
Join Ryan J Melton on the latest episode of NZ Business Owners as he sits down with Duncan Shand, the founder and visionary behind YoungShand, one of New Zealand's leading independent agencies. In this insightful conversation, Duncan takes us on a journey through his remarkable career, starting from the early days of the digital marketing revolution to the present, where YoungShand is making waves in the industry. Twelve years ago, Duncan embarked on a mission to revolutionize the digital marketing landscape by founding YoungShand. Since then, the agency has grown exponentially, establishing itself as a powerhouse for challenger brands seeking to make their mark. Duncan's passion lies in helping these brands find their fight and emerge victorious in the ever-changing media landscape. Beyond his professional accomplishments, Duncan opens up about his personal interests and passions. A self-proclaimed mad runner, he shares his love for pounding the pavement and the mental clarity it brings. As a die-hard Black Caps fan, he relishes in supporting New Zealand's national cricket team and celebrating their victories. Despite his frustration on the golf course, Duncan's passion for the sport remains steadfast. Additionally, he shares his affinity for NZ indie music, highlighting the talent and creativity of local artists. And when he's not immersed in the world of marketing or pursuing his other interests, Duncan finds joy in cooking for his family. Tune in to this episode to gain valuable insights into the world of digital marketing, discover how YoungShand has carved its niche, and learn from Duncan's experiences as a business owner, marketer, and enthusiast of life's many pursuits. https://youngshand.com/
In this episode of NZ Business Owners, host Ryan J Melton sits down with Mike Taylor, a seasoned expert in leveraging digital technology and customer-focused design to drive business success. With over a decade of experience, Mike has played a pivotal role in the growth and development of BBT, one of New Zealand's largest independent digital agencies. Starting with just himself and one employee, Mike has transformed BBT into a thriving company with over 50 staff members, servicing renowned clients such as Toyota Financial Services, The Warehouse Group, LJ Hooker, Callaghan Innovation, Yellow, and Robinhood. Join Ryan as he delves into Mike's journey, exploring the challenges and triumphs of building a multi-disciplinary team dedicated to developing innovative and client-focused technology solutions. With offices in Auckland, Melbourne, and Manila, BBT has expanded its reach, serving clients not only in New Zealand but also in Sydney, Melbourne, New York, and Los Angeles. Mike reflects on the agency's recognition as one of New Zealand's fastest-growing agencies in 2018 and shares his passion for cultivating high-performing teams that achieve remarkable success. Beyond the business realm, Mike's dedication extends to making a positive impact in the community. He discusses his involvement with organizations like Sustainable Coastlines and the Cure Brain Cancer Foundation, highlighting the importance of utilizing technology to uplift lives and tackle complex societal issues. Through their conversation, Ryan and Mike delve into the transformative power of technology and its potential to create meaningful change. Tune in to this inspiring episode of NZ Business Owners to gain insights from Mike Taylor's expertise and learn how the fusion of digital technology, customer-focused design, and a commitment to community can drive business growth and impact society positively. https://bbtdigital.com/
Join host Ryan J Melton on the latest episode of NZ Business Owners as he interviews Bradley Hartley, the passionate owner of Hartway, a leading social media management and marketing company. Bradley shares his expertise in helping businesses of all sizes amplify their online presence and connect with their target audiences through captivating and impactful campaigns. In this episode, Bradley takes listeners on a journey through the dynamic world of social media and marketing. He discusses the power of effective strategies and shares valuable insights on leveraging social media platforms to achieve remarkable business growth. Whether you're a startup, small business, or an established company, Bradley's expertise will inspire you to take your digital presence to new heights. Beyond his professional endeavors, Bradley is a true advocate for staying ahead of the curve. He actively participates in networking events, attends marketing conferences, and stays up-to-date with the latest social media trends. Tune in to discover the secrets behind his success and how you can implement them to navigate the ever-changing digital landscape. Don't miss this opportunity to learn from one of the industry's leading minds! Join Ryan and Bradley as they explore the world of social media management and marketing, uncovering strategies that will empower your business to thrive in the digital world. Be sure to connect with Bradley on LinkedIn to tap into his wealth of knowledge and expertise. Episode Highlights: Bradley's journey into the world of social media management and marketing. Insights on enhancing online presence and engaging with target audiences effectively. Actionable tips for creating captivating and impactful social media campaigns. The importance of staying up-to-date with the latest social media trends and industry developments. Real-life success stories and lessons learned from Bradley's diverse clientele. Strategies for businesses of all sizes to achieve remarkable growth in the digital age. Join the conversation and unlock the potential of social media for your business with Bradley Hartley on NZ Business Owners podcast! hartway.co.nz
Join Ryan J Melton as he sits down with Auckland's esteemed Commercial Finance Adviser, Andrew Chambers, on another captivating episode of NZ Business Owners. Andrew, the co-founder of Eightfold Financial Services, brings a wealth of knowledge and experience from his extensive career in the banking and mortgage industries. With a remarkable 19-year tenure at ANZ, Andrew's expertise spans various sectors, including migrant banking, corporate banking, and commercial banking. Notably, he played a pivotal role in establishing ANZ's commercial presence in American Samoa and led the development of the commercial Asian business team in New Zealand. His contributions extended to formulating a nationwide strategy for the food and beverage industry within ANZ. Additionally, Andrew served as the Head of Commercial for China Construction Bank, further expanding his international experience. Armed with a Post Graduate Banking Certificate from the esteemed Pacific Coast Banking School at the University of Washington, and a Diploma in Advertising from Auckland University of Technology, Andrew possesses a unique blend of financial acumen and strategic thinking. During this insightful episode, Andrew opens up about his passion for adding value to people's lives through his expertise. He shares how he utilizes the strategies he's acquired throughout his career to help others overcome their financial challenges. From privately owned businesses to government entities, Andrew has worked with diverse clients, leveraging collaboration to find optimal solutions to their money issues. Tune in to discover Andrew's unique approach to financial problem-solving and his unwavering belief in the power of collaboration. Through engaging anecdotes and real-life examples, Andrew showcases how he empowers business owners and individuals, providing them with the confidence to realize their dreams and aspirations. Whether you're a seasoned entrepreneur or just starting out, this episode will equip you with valuable insights to navigate the complex world of finance and unlock your full potential. Don't miss this captivating conversation between Ryan J Melton and Andrew Chambers, as they delve into the heart of financial success and the gratifying privilege of helping others thrive in the business world.
https://eightfold.co.nz/about-us/andrew-chambers/
In this exciting episode of NZ Business Owners, Ryan J Melton sits down with James Stevenson, a prominent figure in the field of Engineering Recruitment in New Zealand. As the founder and driving force behind Grada Recruitment, James has built a reputation for successfully connecting exceptional talent with leading clients across various sectors, both locally and internationally. Having spent considerable time as the National Manager of Architecture and Engineering teams at a multinational recruitment company, James made a bold decision in 2017 to establish his own venture, focusing solely on Engineering and Architecture Recruitment. Grada Recruitment was born out of a desire to redefine the recruitment experience in these specialized industries, aiming to set new standards and exceed client and candidate expectations. Join Ryan and James as they delve into the fascinating world of Engineering and Architecture Recruitment. Discover how Grada Recruitment stands apart from its competitors, providing unparalleled market insights, salary benchmarking, and personalized services to both clients and candidates. Whether you're an organization seeking top talent or an ambitious professional searching for your next career move, James offers valuable advice and unique perspectives on why not all recruiters are created equal. Don't miss this insightful conversation that sheds light on the innovative approaches and dedication behind Grada Recruitment's mission to elevate the recruitment bar within the Engineering and Architecture sectors. Tune in to gain invaluable insights and learn how to make the most of your recruitment journey. To connect with James Stevenson and explore the exceptional services offered by Grada Recruitment, reach out via email at jstevenson@gradarecruitment.com or give them a call at 022 3171 208. For more information, visit their website at http://www.gradarecruitment.com/
In this episode of NZ Business Owners, host Ryan J Melton sits down with Shafraz Khan, a highly respected commercial law specialist and one of the country's leading transport lawyers. With his vast expertise in litigation, Shafraz has become a sought-after adviser in the transport and marine sector, offering practical and strategic solutions to his clients. Shafraz shares his valuable insights on various topics, including his role as lead Counsel for the plaintiff in the groundbreaking New Zealand case, Honeybees v 127 Hobson Street. This landmark case has set a precedent for the interpretation of contractual clauses related to penalties in the country. He also discusses his experience defending clients in Health and Safety and Resource Management prosecutions, highlighting the importance of understanding worst-case scenarios in providing effective advice. As a firm believer in preventative strategies, Shafraz sheds light on the significance of making early decisions and shares how his focus on commercial law is enhanced by his experience in litigation. With his extensive courtroom experience, he offers valuable guidance on navigating legal challenges in the transport and traffic sectors. Beyond his legal career, Shafraz reveals his passion for soccer, stemming from his upbringing in a soccer-crazy town in Fiji. However, he admits that recently he has been engaged in a friendly competition with his daughter at the piano, a battle he gladly accepts defeat in. Join Ryan J Melton as he delves into the world of commercial law and transport with Shafraz Khan, a prominent figure in the field, on this enlightening episode of NZ Business Owners. Guest's Website: https://fortunemanning.co.nz/shafraz-khan/
Join host Ryan J Melton in this thought-provoking episode of "NZ Business Owners" as he sits down with Garry Green, the founder of Quanton, New Zealand's leading company in intelligent automation. Garry shares his expertise and insights gained from over two decades of experience at the forefront of leveraging cutting-edge technology. Discover how Quanton helps organizations gain a competitive edge by applying 21st-century business models and harnessing disruptive technology. Their approach transcends the traditional 1 to 1 ROI relationship, often resulting in remarkable 5x to 10x ROI multipliers. In this conversation, Garry emphasizes that true automation goes beyond merely digitizing manual processes. It requires making fundamental changes to an organization's DNA, transforming how they think, act, and behave. By addressing these core aspects, companies can truly reap the benefits of disruptive technology. Garry's diverse background includes working with the Royal Air Force in the air and information domains, spearheading large-scale IT initiatives and transformational change across the UK, Europe, and the Middle East. Following his international endeavors, he relocated to New Zealand, where he gained invaluable experience in sectors such as banking, utilities, health, and government before founding Quanton in 2016. If you're eager to explore exponential and disruptive thinking, leveraging technology for competitive advantage, intelligent automation, and transformation, this episode is a must-listen. Garry invites you to connect with him to dive deeper into these topics and learn how you can start making a measurable difference in your own organization. Send him a message today and embark on a journey of innovation and growth. Tune in to "NZ Business Ownerels" and discover the power of intelligent automation to unlock your organization's full potential. Guest's Website: https://www.quanton.co.nz/
Welcome to the "NZ Business Owners Podcast" with your host, Ryan J Melton. In this episode, Ryan sits down with Vinay Iswar, a seasoned expert specializing in helping service-based businesses reach new heights.Vinay's expertise lies in working with businesses that have at least five employees and an annual turnover of over a million dollars. However, don't let that limit you! This discussion is beneficial for ambitious business owners of any size, as long as you share a common vision.Join us as we delve into the world of business advisory and coaching, aiming to help you achieve your goals faster. Vinay's unique approach combines exceptional technical accounting skills with value-adding advisory services, ensuring peace of mind for all your financial needs.Furthermore, we'll explore the importance of effective bookkeeping and outsourced finance, allowing you to stay laser-focused on business growth.Discover the fascinating journey of Vinay Iswar, who made a life-changing decision at the age of 15, committing himself to the world of business. With a strong background in both accounting and marketing, Vinay opened his first firm in his early twenties.His clients quickly fell in love with the firm's unconventional accounting approach, emphasizing value creation through advisory services. As the Managing Director of BetterCo, Vinay and his co-directors are reshaping the accounting industry by finding innovative ways to provide even more value to their clients.Tune in as Vinay shares his passion for problem-solving, making dreams a reality, and pushing clients to think bigger. In his eyes, success in business is intertwined with personal fulfillment, and he's here to help you create the best possible life—both personally and professionally.If you're an ambitious business owner hungry for growth, eager to learn, and dedicated to achieving your goals, this podcast episode is a must-listen. Join us as we unlock the secrets to accelerating your business success with Vinay Iswar's invaluable insights.RYAN'S DETAILS:►PodCrafting Studios:https://www.podcraftingstudios.com/podcasting►Free Courses and Books: https://www.ryanjmelton.co.nz/free-resources►Apply To Be Podcast Guest: https://www.ryanjmelton.co.nz/podcast-guest3►Email Ryan Question: ryan@ryanjmelton.co.nz►Linkedin: https://www.linkedin.com/in/ryanjackmelton/►Instagram:https://www.instagram.com/ryanjmelton/►Tik Tok:https://www.tiktok.com/@ryanjmelton
In this powerful and moving episode, Jerome Jacobs – a business coach and advisor with nearly two decades of experience in the professional and construction industries – shares the story of his cherished family tradition: gathering for burgers and chips every Friday night. This simple ritual was unexpectedly disrupted when a flood caused extensive damage to their home and possessions. Amid the chaos, Jerome takes a moment to reflect on the blessings he still has, especially in comparison to those who have suffered even greater losses. Throughout the conversation, Jerome candidly discusses the difficulties of balancing his roles as a father, business leader, and advisor to over 350 companies, ranging from $250K to $15 million. He explores the importance of seeking wisdom, maintaining composure during crises, and how his experience has taught him to prioritize these qualities in his own life. Moreover, Jerome dives deep into the concepts of accountability, leadership, and the value of being in the service industry, sharing insights from his work with Rise Advisory. He emphasizes the significance of being receptive to others' ideas and perspectives and the impact it can have on personal growth and success. Join us on this emotional journey, as we explore the resilience of the human spirit and the lessons that can be learned from the most unexpected moments, with insights from Jerome Jacobs, a seasoned business coach and advisor who walks the talk. GUESTS DETAILS: ►Website: https://www.familybusiness.org.nz/ RYAN'S DETAILS: ►Apply To Be Podcast Guest: https://www.ryanjmelton.co.nz/podcast-guest3 ►Email Ryan Question: ryan@ryanjmelton.co.nz ►Linkedin: https://www.linkedin.com/in/ryanjackmelton/ ►Instagram:https://www.instagram.com/ryanjmelton/ ►Tik Tok:https://www.tiktok.com/@ryanjmelton
In this episode, host Ryan J Melton sits down with Iain Blakeley, Chairman of Family Business New Zealand, to discuss the dynamics of family businesses.Family businesses are the backbone of the New Zealand economy, but they come with their unique set of challenges. In this episode, Iain shares his wisdom and experience of working with family businesses, including the emotional toll it takes on the family members involved, the importance of open communication, and the delicate balance between family dynamics and business operations.RYAN'S DETAILS:►PodCrafting Studios:https://www.podcraftingstudios.com/podcasting►Free Courses and Books: https://www.ryanjmelton.co.nz/free-resources►Apply To Be Podcast Guest: https://www.ryanjmelton.co.nz/podcast-guest3►Email Ryan Question: ryan@ryanjmelton.co.nz►Linkedin: https://www.linkedin.com/in/ryanjackmelton/►Instagram: https://www.instagram.com/ryanjmelton/►Tik Tok: https://www.tiktok.com/@ryanjmelton GUESTS DETAILS:►Website: https://www.familybusiness.org.nz/
Join Ryan J Melton in the NZ Business Owners podcast as he interviews Philip Adamson, the owner of OutSource IT Ltd, who shares his inspiring story of overcoming adversity. After his soul mate suffered brain damage, Philip turned to alcohol and almost lost everything. In this thought-provoking episode, he shares how he developed a process and framework to get through tough times. RYAN'S DETAILS: ►PodCrafting Studios:https://www.podcraftingstudios.com/podcasting ►Free Courses and Books: https://www.ryanjmelton.co.nz/free-resources ►Apply To Be Podcast Guest: https://www.ryanjmelton.co.nz/podcast-guest3 ►Email Ryan Question: ryan@ryanjmelton.co.nz ►Linkedin: https://www.linkedin.com/in/ryanjackmelton/ ►Instagram:https://www.instagram.com/ryanjmelton/ ►Tik Tok:https://www.tiktok.com/@ryanjmelton GUESTS DETAILS: ►Website: https://www.outsource.co.nz/
Podcast Guest Jung The Business Coach: "As a business coach, consultant, mentor and advisor, I can offer a variety of services including strategic planning, operational assessment, business process analysis, mentorship, marketing and sales strategy, financial and budget management, performance evaluations, and risk management.Additionally, I can provide other resources to help business owners stay ahead of the competition and succeed in their respective fields.Having worked with 100's of NZ businesses, my experience has allowed me to diagnose a vast amount of issues you may be facing that you don’t realize.Let’s make 2023 as memorable as possible for your business.Jung👉 Entrepreneur, Chairman, Coach, Mentor and Business Strategist."RYAN'S DETAILS:____________________________________________►PodCrafting Studios:https://www.podcraftingstudios.com/podcasting►Free Courses and Books: https://www.ryanjmelton.co.nz/free-resources►Apply To Be Podcast Guest: https://www.ryanjmelton.co.nz/podcast-guest3►Email Ryan Question: ryan@ryanjmelton.co.nz►Linkedin: https://www.linkedin.com/in/ryanjackmelton/►Instagram:https://www.instagram.com/ryanjmelton/►Tik Tok:https://www.tiktok.com/@ryanjmelton ____________________________________________GUESTS DETAILS:____________________________________________►Website:https://www.jung.nz/___________________________________________
Podcast Guest Iain MacGibbon, Managing Director of Farrow Jamieson: "I lead a team of talented and experienced Executive Search, Executive Recruitment, Executive Contracting and Advisory consultants at Farrow Jamieson. Our team create wealth for their clients by sourcing highly talented individuals globally and locally and advising on organisational issues.Building the Farrow Jamieson capability, in terms of people, technology and innovation has been the most satisfying role of my working career, and it is not over yet!Personally, I assist CEO's and Boards with advice on structure and potential areas of improvement or change. Helping businesses to grow both locally and internationally is important not only for the individual company but also for New Zealand's export growth targets.If your team would like to discuss creating increased value for your own shareholders, feel free to send me a message."RYAN'S DETAILS:____________________________________________►PodCrafting Studios:https://www.podcraftingstudios.com/podcasting►Free Courses and Books: https://www.ryanjmelton.co.nz/free-resources►Apply To Be Podcast Guest: https://www.ryanjmelton.co.nz/podcast-guest3►Email Ryan Question: ryan@ryanjmelton.co.nz►Linkedin: https://www.linkedin.com/in/ryanjackmelton/►Instagram:https://www.instagram.com/ryanjmelton/►Tik Tok:https://www.tiktok.com/@ryanjmelton ____________________________________________GUESTS DETAILS:____________________________________________►Website:https://www.farrowjamieson.com/___________________________________________
Discover the secrets to thriving in the business world with Ryan J Melton, as he welcomes Bruce Sheppard, CEO of Gilligan Sheppard, to this captivating episode of the NZ Business Owners podcast. Together, they dive deep into the power of authenticity, empathy, and curiosity in transforming work environments and fostering meaningful connections. Listen in as Bruce recounts his rebellious journey as a challenger in the business landscape, and shares invaluable advice for newcomers entering the job market. Plus, learn about their unique approach to using inanimate objects as creative proxies in meetings, ensuring memorable and impactful discussions. Tune in for a stimulating conversation that will leave you with fresh perspectives on navigating life and work with curiosity and an open mind.
Don't miss this engaging episode of NZ Business Owners!RYAN'S DETAILS:____________________________________________►PodCrafting Studios:https://www.podcraftingstudios.com/podcasting►Free Courses and Books: https://www.ryanjmelton.co.nz/free-resources►Apply To Be Podcast Guest: https://www.ryanjmelton.co.nz/podcast-guest3►Email Ryan Question: ryan@ryanjmelton.co.nz►Linkedin: https://www.linkedin.com/in/ryanjackmelton/►Instagram:https://www.instagram.com/ryanjmelton/►Tik Tok:https://www.tiktok.com/@ryanjmelton ____________________________________________GUESTS DETAILS:____________________________________________►Website:https://gilligansheppard.co.nz/___________________________________________
In this soul-stirring episode of the NZ Business Owner's Podcast, Ryan J Melton invites Dave Beachen, CEO of Flow Marketing, to share his deeply personal journey of resilience and strength.
At just 18 years old, Dave faced the tragic loss of his father, all while navigating the challenges of becoming a new dad to a 3-week-old daughter. Despite the heartache and overwhelming responsibilities, he forged ahead, determined to create a better future for himself and his family.
From this intense period of personal growth, Dave ultimately found his calling in the world of digital lead generation and high-ticket services. As the head of the award-winning Flow Marketing, he has helped countless businesses transform their marketing strategies and achieve success.
This episode is a testament to the power of perseverance and the importance of ditching excuses in pursuit of our dreams. Join Ryan and Dave for an intimate conversation that will inspire you to take control of your life, no matter the circumstances.
Tune in and discover how Dave's journey of grit and determination led to the creation of New Zealand's strongest digital lead generation agency, Flow Marketing. Get ready to be moved and motivated by Dave's incredible story, and learn how you too can toughen up and overcome life's obstacles.
RYAN'S DETAILS:
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►Free Courses and Books: https://www.ryanjmelton.co.nz/free-resources
►Apply To Be Podcast Guest: https://www.ryanjmelton.co.nz/podcast-guest3
►Email Ryan Question: ryan@ryanjmelton.co.nz
►Linkedin: https://www.linkedin.com/in/ryanjackmelton/
►Instagram:https://www.instagram.com/ryanjmelton/
►Tik Tok:https://www.tiktok.com/@ryanjmelton
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GUESTS DETAILS:
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►Website: https://flow.co.nz/
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Tony Liu grew up in a rural village in China, the son of farmers. Despite the lack of access to technology, he was fascinated by computers and taught himself everything he could about them. After leaving his village to pursue his passion for technology, Tony worked hard and gained experience in the IT industry. Eventually, he decided to start his own IT consulting firm, PC Onsite, to help businesses navigate the complex world of technology. Though he faced many challenges along the way, Tony persevered and built his business from the ground up. ____________________________________________ ►Free Gift: https://www.ryanjmelton.co.nz/free-resources ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: https://www.pconsite.co.nz/ ___________________________________________
Dawie Otto is the Director of iTEASPOON, a New Zealand-based IT consultancy that helps businesses of all sizes leverage cloud technology to simplify their IT infrastructure, reduce costs, and increase flexibility.
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►Free Gift For Listeners: https://www.ryanjmelton.co.nz/free-resources
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GUESTS DETAILS:
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►Linkedin:https://www.linkedin.com/in/dawieotto/
►Website:https://www.iteaspoon.com/
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Chapters
0:00-Introduction
0:30-Who Controls the Kill Switch?
5:45-The Value of Specialists
7:51-AI and New Career Opportunities
9:14-Elon Musk: Futurist or Contentious Figure?
10:16-Who Regulates Mars?
11:04-The Erratic Genius
16:01-Cracking the Code in New Zealand
18:03-The Power of Delegation
20:14-Battle for Creativity
21:05-Tech Adoption: Boomers vs. New Businesses
24:54-Tech Reviews for Business Success
28:28-Investing in Technology for the Future
29:05-Leveraging People Cost for Technology Decision
30:04-Technology Adoption in Nigeria
30:10-Infrastructure in Nigeria: Negotiating for Survival
35:55-Building Relationships in Africa: The Power of Rapport
39:02-Surviving Dangerous Situations in Africa
40:31-Nigerian Nightmares
41:57-Moving for a Better Life
46:03-The Danger of Group Think
51:03-Unleashing the Power of Google Workspace
55:01-Uncovering Google's AI Potential
57:25-Innovative Solutions for Personal Assistance
1:00:28-Modern Solutions with Old School Values
"Jim Huse works with individuals and small-to-large organisations to achieve business success. By using a pioneering convergence of Psychology, Technology and Business Objectives, Jim shows how you can better connect people’s efforts to your organisation’s key outcomes." ____________________________________________ ►Free Gift For My Listeners: https://www.ryanjmelton.co.nz/free-resources ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: https://www.husehill.co.nz/ ►Books:https://www.amazon.com/stores/author/B07H9H9YWJ ___________________________________________
In this episode, host Ryan sits down with Business Broker Serdar Kabul to discuss the ins and outs of selling a small business in New Zealand. If you're a small business owner, you know that building a successful business from scratch takes a lot of hard work, dedication, and sacrifice. But what happens when it's time to move on and sell your business? How do you navigate the often complex and emotional process of letting go of something you've poured your heart and soul into? During this conversation, Ryan and Serdar offer valuable insights and practical advice for anyone considering selling their small business in New Zealand. They delve into the importance of planning ahead, setting realistic expectations, and working with a team of professionals who can guide you through the process. But more than just sharing practical tips, this episode also invites listeners to consider the emotional and psychological aspects of selling a business. How do you cope with the sense of loss that comes with letting go of something you've built from the ground up? How do you maintain your sense of purpose and identity after the sale? By exploring these deeper questions, Ryan and Serdar offer a thought-provoking and reflective conversation that will encourage listeners to engage in introspection and consider different perspectives. So whether you're thinking of selling your business or just interested in the journey of entrepreneurship, this episode of the NZ Guide To Financial Freedom podcast is not to be missed! Tune in now to gain valuable insights, practical advice, and a fresh perspective on the complex process of selling a small business in New Zealand. ____________________________________________ ►Free Gift For My Listeners: https://www.ryanjmelton.co.nz/free-resources ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: https://linkbusiness.co.nz/business-broker/serdar-kabul-beng/ ►Linkedin: https://www.linkedin.com/in/serdar-kabul/ ___________________________________________
In this episode, Ryan sits down with Kathryn Sandford, a personal brand and coaching expert who is changing the game with her innovative approach to career strategy and executive leadership.
Together, Ryan and Kathryn dive deep into the importance of personal branding, the power of diversity and inclusion, and the role of creativity in achieving success. They discuss the challenges that individuals face in today’s job market, and how a strong personal brand can help you stand out and reach your full potential.
This thought-provoking conversation will challenge your perceptions of success and inspire you to consider different perspectives. Whether you’re just starting out in your career or looking to make a change, Kathryn’s insights and advice will give you a fresh perspective on what it takes to succeed.
So, if you're ready to engage in introspection, consider different perspectives, and discover the path to financial freedom, tune in to this episode of the NZ Guide To Financial Freedom podcast with Ryan J Melton and Kathryn Sandford.
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►Be Our Next Podcast Guest: https://www.ryanjmelton.co.nz/be-a-podcast-guest
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GUESTS DETAILS:
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►Linkedin: https://www.linkedin.com/in/kathrynsandford/
►Website: https://m2m.co.nz/
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In the latest episode of the NZ Guide To Financial Freedom podcast, host Ryan J Melton sits down with construction industry expert Andy Alagappan to discuss the challenges and struggles of the construction industry. From the importance of good advice to the complexities of risk management and procurement, Andy provides valuable insights and advice for those looking to navigate the industry. As a construction worker and influencer, Andy also shares his personal experience and struggles with the "donkey work" and inefficiencies of the industry, and how he hopes to make a positive impact on the industry in the future. Join Ryan and Andy as they delve into the real problems and challenges facing the construction industry and explore ways to move forward smarter, faster, and better. ____________________________________________ ►Be Our Next Podcast Guest: https://www.ryanjmelton.co.nz/be-a-podcast-guest ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Linkedin: https://www.linkedin.com/in/annamalai-andy-alagappan-b3b50a17/ ►Construct Strategically - Yarns with Andy Podcast: https://open.spotify.com/show/4fXet3Qt43647NipxAWxkG ___________________________________________
Podcast guest Joneet Lal "Growth is a journey. It is important to recognise and accept the journey of growth to overcome the mentality of growth being an event. If it were an event we all would be stagnant and there would be no innovation and improvement. Most people are living on a growth spurt that happened years ago and wondering why they are not seeing improvements in their lives. They are doing the same things over and over and expecting different results. Growth needs change, growth pains, stepping into the uncomfortable and accountability. Take the first step and follow through with massive action. " ____________________________________________ ►Be Our Next Podcast Guest: https://lnkd.in/g8yaueTe ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: https://lnkd.in/geswGqgG ►Linkedin: https://lnkd.in/g5EiwQdP ___________________________________________
Podcast Rachel Klaver: "Years ago I was called a “shameless self promoter” in a Felicity Ferret column (in METRO, an NZ magazine) and it crushed me. Building a personal brand is not about feeding my own ego. It’s about serving my family, using my own brand to bring in the right clients for us. It’s serving my team to be able to pay them. And I get to work with people who like me, trust me and this means I can do my best job. I’m what you could call a career octopus. And sometimes I’ve been scared to step up, and other times I’ve been too scared not to. I can tell you the fear of stepping up is worth pushing through. I’ve worked as a Vet Nurse, Tutor, retail manager, Receptionist, Teacher, Author, writer, presenter, speaker, trainer, ECE facilitator, parenting coach, blogger/influencer (before it was cool). I tried working in a factory but only lasted a day. I’m really bad at repetitive tasks! I’ve been working as a marketing strategist since 2011 I launched my own marketing agency Identify in 2015. It grew too fast with poor systems and structure and almost closed in 2018. After three days of hiding in bed, I made the call to stop crying, face my mistakes and transform the business into a healthy one. We changed our model, our culture and our team. I learned what it really takes to run a profitable and fulfilling business, the importance of building and maintaining trust, and growing a personal brand. "
Podcast Guest Stuart Little: "I see LinkedIn differently, to me it’s the game changer, the portal that provides an alternative approach to traditional outreach and sales methods that are eclipsed by a rapidly evolving digital world. I saw this shift early and I’ve spent 1,000’s of hours working inside LinkedIn and other digital platforms to be able to provide clear, concise process that has successfully delivered $Millions in sales revenue and provided new career opportunity. The digital evolution has led to distinct changes in modern buyer behavior and expectation, this extends to those seeking the right candidates to enhance their business, more than ever, knowing yourself and having an EDGE counts! I have worked with some incredible people all on different journeys all now using this platform in creative and positive ways." ____________________________________________ ►Be Our Next Podcast Guest: https://lnkd.in/g8yaueTe ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: https://agency8.co.nz/ ►Linkedin: https://lnkd.in/gzvjhNhV ___________________________________________
In this episode, we've got Leighton Wilson, the Managing Director of Ladder & Co, a full-service marketing agency based in Auckland. Leighton and his team are experts at using tools like search engine advertising, Facebook advertising, and remarketing, to help their clients grow. We'll be chatting with Leighton about how Ladder & Co approaches marketing and how they use these tools to drive results for their clients. He'll share his insights on the importance of understanding your target audience and using data to inform decision making. And let's be real, who doesn't love a good data nerd? We'll also talk about the role of lead tracking and reporting in measuring the success of your campaigns. Whether you're a marketing pro looking to stay on top of the latest trends or a business owner looking to up your marketing game, this episode is for you . ____________________________________________ ►Be Our Next Podcast Guest: https://www.ryanjmelton.co.nz/be-a-podcast-guest ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: https://ladderco.co.nz/ ___________________________________________
Podcast guest Daniel Howell: "Entrepreneurialism, clarity, logical thinking and integrity are what I offer.
I am passionate about seeing businesses and organisations operate in new and exciting ways that not only drive the bottom line but develop and empower their staff, customers and local community.
Specialities: Design performance measurement systems, Strategy development, writing business plans, project management, Organisational reviews."
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►Be Our Next Podcast Guest: https://calendly.com/d/gqt-yd4-m7h
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GUESTS DETAILS:
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►Website: https://gravitylab.nz/
►Linkedin:https://www.linkedin.com/in/dthowell/
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Podcast guest Matt Vincent: "Matt Vincent is the CEO of DVA, joining in 2014 to modernise what was a legacy firm. DVA is now proudly, 100% in the cloud, paper-less, fully outsourced, coaching, advising on App’s, growing, profitable and a team of high performers.
Taking the scars and skills from transforming DVA, Matt coaches and advises other business owners and accountancy firms in strategy, leadership, outsourcing and technology.
A creative at his core Matt gets fulfilment from innovating and working with others to do meaningful and purpose driven work.
Matt is also a HubSpot Partner. DVA has been using HubSpot since 2017 and the wins and success the team has achieved ever since using the CRM encouraged them to actively promote HubSpot in the accounting industry.
Find out more about HubSpot for Accountants in this recorded webinar https://www.resources.dva.co.nz/running-your-firm-with-hubspot-webinar
At DVA we strive to achieve our core purpose - Unlocking and Realising Business Potential.
This encompasses the work we do for our clients and our team.
As a client of DVA we work together to understand your personal goals, business goals, challenges and problems in your business and how we can work together overcome these and build a business that delivers time, money and peace of mind.
As a Team member of DVA we work together to understand what makes you tick and your career goals. We use a coaching-based leadership style to empower our team to smash their goals and succeed in their career."
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►Be Our Next Podcast Guest: https://calendly.com/d/gqt-yd4-m7h
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GUESTS DETAILS:
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►Website: https://dva.co.nz/
►Linkedin: https://www.linkedin.com/in/matt-vincent-3964b41a/
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Podcast Sussan Ockwell:
"I’m the Founder and Director of Optimism, Learning & Performance Partners.
At Optimism, we help organisations develop their people capability, often with the use of digital learning and performance tools & technologies. We have a great team of people who will take delight in crafting solutions that will make a measurable difference. Set us a challenge, and together we'll figure out how to achieve it.
We've recently applied all of our wisdom and experience to develop The Induction App™ making induction easier for everyone, and helping new employees to quickly become engaged, productive and compliant.
I have been in learning & development for over 20 years and I still love what we do, the people we do it with, and what we learn along the way."
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►Be Our Next Podcast Guest: https://calendly.com/d/gqt-yd4-m7h
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GUESTS DETAILS:
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►Website: https://www.optimism.co.nz/
►Website:https://www.inductionapp.co/
►Linkedin:https://www.linkedin.com/in/sussan-ockwell-1a2aa63/
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Podcast Guest Joshua Singh:
"Joshua Singh, is a preacher & entrepreneur, and is best recognised as associate pastor at ICLC.
He appears in Radio Rhema,& Shine TV and on weekly release of Wisdom Wednesday.
Joshua Singh was born to Ps Alice & Moses Singh (Senior Pastor ICLC) in NZ, and went to Elim Christian college.
He is pursuing Masters of Ministry thesis & research. Always believing in, to live a purposeful life, Joshua’s aspires to ‘change the world’ through the word of God. Being an effective communicator of God’s word, Joshua, has amassed a dedicated following of over 5000 on Instagram, Facebook & snapchat.
He travels across the country & the globe, ministering & mentoring also attending conferences in Fiji, Canada, India, Chicago, California & Australia’.
With the focal point to nurture the ‘youth’, he puts forth ‘ICLC youth podcast, blogs & free mentoring services’."
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►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
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GUESTS DETAILS:
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►Website: https://www.joshuasingh.com/
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Property investor Cameron Stewart:
“I am happily married to my wife Emma and I am a father to our 2 boys Angus & Oscar
I fill in my spare time with mountain biking , dirt bike riding & hunting
My motto is to create abundance in all areas of my life
Family
Fitness
Finances
Contribution
Impact
Legacy
WHAT IS MY EXPERIENCE ?
WELL……..
Since 2008 I have undertaken and been involved in 320 + residential property transactions .
These transactions involve a series of different challenges and circumstances .
We have done everything from minor renovations , significant Reclad projects smaller infill development projects and procured many large development projects.
Our first business GETIN2 Property Limited
www.getin2property.co.nz
It Specialises in Joint Venture property Development and trade deals & consulting and has various services that are tailored to our clients and investment partners needs.
Our second business is
PACE
www.propertyadvice.co.nz
PACE was formed by Stacy and I one Friday afternoon having the end of week yarn, where we discovered a dire need for quality property & construction advice in the Auckland marketplace.
Being active builders, property investors and developers ourselves , we have been at the tail end of many misinformed transactions with consultants giving text book advice with no practical, hands on experience.
After many chats to rectify this issue in the marketplace, our team with collective experience of 30+ years, got some pace in our step… and PACE (Property Advice & Construction Experts) was formed.
Our Third Business is
LIVETHEDREAM Enterprises Limited
We have built a large business team & e-commerce platform across 4 + countries over 10+ years.
Our focus has been on
Getting people free of consumer debt
Building peoples self esteem and self image
Development of leadership skills
Development of public speaking skills
Building a cashflow business online
Creating a holistic success path in life
Outside of everything above I do keynote speaking gigs across New Zealand sharing my experiences in business , investing and life to inspire others to take the lid of thinking and live life to their full potential”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
Director of Platform 1 Mike Warmington:
“Business Owner Transition is a method of exiting or growing a private business, over time, to an external talented person with capital. This person works full-time in the business and buys shares in the business over time and to an agreed plan. A governance process is set up to ensure the transition meets your needs.
Maybe you still enjoy working in your business but want to work on the parts of the business you enjoy or are good at? Or do you simply want more free time? If you are committed to leaving a strong legacy behind, you don't want to leave it to the wrong people. A professionally facilitated business owner transition could be what you need. Achieve your goals through Platform 1 by finding a talented person to work alongside you, help grow the business and buy you out gradually.
With Platform 1's expert business owner transition process, you can enjoy the future you've always wanted.”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://www.platform1.co.nz/
►Phone Number: +64 21 1874 873
___________________________________________
Podcast Guest Michelle Henderson:
“When it comes to the entertainment industry, there is very little that Michelle hasn’t done.
She graduated in 2010 from the New Zealand School of Dance and landed her first professional dance contract with the Black Grace Dance Company in 2011.
Her subsequent venture into commercial dancing saw her cheerleading for the All Blacks, Breakers, Blues and Warriors.
This passion for exercise and motivation progressed into the fitness industry where she worked as a personal trainer; Pilates and Spin instructor and supervisor of the Bodytech Gym.
Four years of promotional and commercial modelling saw her host everything from openings, and product launches to events such as birthdays, stag do’s and corporate functions.
Seeing a lack of opportunity in the industry for multifaceted performers such as herself; Michelle decided to fill that gap by bringing all her passions together under one umbrella and founding "Social Butterfly Entertainment".
This enabled Michelle to channel her energetic, professional and charismatic vibe into shaking up the way entertainment has traditionally been structured and delivered in order to showcase some of the best and brightest talent in the country.
It won’t be without it’s hurdles, but she is more than up to the challenge!”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Linkedin: https://www.linkedin.com/in/michellehendersonnz/
___________________________________________
Podcast Guest is the Director of X is Y Jared Langguth:
“An experienced idea generator, process improver, people whisperer, mindful mentor, tech enthusiast, early adopter, agile practitioner and empathetic product person who enjoys guiding others to find their flow.
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://www.xisy.co.nz/
►Linkedin: https://www.linkedin.com/in/jared-langguth-720390b/
___________________________________________
Podcast Guest Ian Walsh:
“A results focused professional who delivers bottom line results for organisations, large and small.
Intent Group deliver outstanding sustainable results. We are NZ's leading practical business transformation partners
Specialties: lean manufacturing and lean construction (LCANZ), lean supply chain, competitive manufacturing, best practice implementation, process improvement and optimisation, six sigma, total quality management, TPM, process improvement and many other methodologies. Training and development in all of the above.”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://www.intentgroup.co.nz/
►Linkedin: https://www.linkedin.com/in/intentian/
►Email: I.walsh@intentgroup.co.nz
___________________________________________
Podcast Guest Kalé Emery:
“We are on a crusade to help the everyday kiwi be better with money and enjoy a better quality of life - so came our partnership with The Rock FM. A larger scale platform for every day Kiwi's to begin the conversation around improving their financial literacy.
From advice around money management to a better, clearer education on risk products, mortgages and KiwiSaver - we do it all in plain english so our clients LEARN.”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://moneymen.co.nz/
►Linkedin: https://www.linkedin.com/in/kal%C3%A9-emery-197b2292/
___________________________________________
Podcast Guest Matthew Clayton:
“Matthew is an award-winning creative director, strategist and innovation leader.
Matthew has co-founded multiple companies and he’s an ex-partner in one of New Zealand’s most successful creative digital agencies. He’s worked with many prominent local and international organisations and a number of tech startups throughout his career.
A polymath with experience in multiple disciplines, Matthew works holistically across innovation, business design, strategy, vision, ideation, user/customer experience, information technology (IT), digital and entrepreneurship”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://www.imagineers.co.nz/
►Linkedin: https://www.linkedin.com/in/mmjclayton/
___________________________________________
Podcast Guest Matthew Clayton:
“Matthew is an award-winning creative director, strategist and innovation leader.
Matthew has co-founded multiple companies and he’s an ex-partner in one of New Zealand’s most successful creative digital agencies. He’s worked with many prominent local and international organisations and a number of tech startups throughout his career.
A polymath with experience in multiple disciplines, Matthew works holistically across innovation, business design, strategy, vision, ideation, user/customer experience, information technology (IT), digital and entrepreneurship”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://www.imagineers.co.nz/
►Linkedin: https://www.linkedin.com/in/mmjclayton/
___________________________________________
Podcast Guest Debbie Schultz:
“As a leader in the field of organisation development, consulting and coaching, Debbie has been supporting individual and organisational growth for over 15 years.
She founded BlueSkyMinds with one goal in mind: to facilitate research-based organisational mindfulness programmes that deliver measurable individual and business benefits.
BlueSkyMinds have worked with organisations such as Xero, Southern Cross, AUT, Coca-Cola Amatil and Online Republic to educate, inspire and deliver results using the science of mindfulness.
Debbie is one of a very few organisational development professionals in New Zealand who is also a trained mindfulness teacher, having completed the 12 month globally recognised pathway through MTI Australia. She also has a well-established mindfulness practice, attends regular teacher lead retreats, and has ongoing mindfulness supervision
In her previous role she was the Head of Client Partnerships Australasia for global HR software company Fuel50 where she helped companies like Fletcher Building, IAG, Fonterra, Z Energy, Westpac Group, and Coca-Cola design and deliver employee engagement programmes to support graduates, employees, and leaders. Prior OD roles, both inhouse and as an consultant, enabled her to help organisations improve employee engagement and productivity.
Debbie’s career has allowed her to work with many different organisations and cultures, where she sees workplaces becoming busier, faster, and more complex. The ability to manage our own minds in these environments is absolutely critical to our ability to perform, lead, connect, inspire and deliver.”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://blueskyminds.org/
►Linkedin: https://www.linkedin.com/in/debbie-schultz-6805a714/
___________________________________________
Podcast guest Ilma Mani:
“After working for 10 years in the hospitality industry, I decided to go back to studying. I graduated from AUT with a Bachelor of Business, majoring in Finance.
I went back to study because I saw that as my journey to financial independence and being able to aid my parents achieve a comfortable retirement.
Now, I love being able to expand on that goal by reaching others and helping them, too. I was fortunate that after coming out of University, I came across National Capital.
They have made financial advice, particularly relating to KiwiSaver, accessible to everyone and I find that very valuable. We have helped hundreds of people get on the right track for buying a first home or have a comfortable retirement and look forward to helping many, many more. In my spare time I still love to cook.
I also garden, dance Bachata, Kizomba and train in Japanese Jiu Jitsu.”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://www.nationalcapital.co.nz/
___________________________________________
Podcast Guest Tibor Mackor:
“As a world champion sportsman and coach, I have discovered that understanding gameplay, seeing the opportunities and timing the attack to win games is directly related to how businesses can improve profit, growth and provide more free time for business owners.
It is the fear of change that has most people procrastinating. I will help you eliminate the fear and take bold steps to changing your business and life. Stimulating questions on your gameplay, vision and timing opens the mind to new possibilities for the future.”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Linkedin: https://www.linkedin.com/in/tibormackor/
►Website: https://bbstrategies.co.nz/
___________________________________________
Podcast guest Stuart Wilkinson:
“I have worked with small to medium business's for over 12 years and really enjoy learning about their goals and what drives people to start and run their own business.
RightWay is focused on helping small to medium achieve their goals.
We are a Platinum Xero partner and make sure clients are using Xero to really drive their business forward. We do this through our dedicated Business Partners who can work alongside you and help interpret your financials, so you have the information you need to make decisions in your business
I am passionate about company culture, driving performance and helping people reach their potential.”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Linkedin: https://www.linkedin.com/in/wilkinsonstuart/
►Website: https://www.rightway.co.nz/
___________________________________________
Podcast guest Miriam Chancellor:
“I help high-performing individuals and teams overcome the challenges of public speaking to enable them to achieve their professional goals.
I am a qualified, experienced coach. My personalised services include one-on-one coaching, executive masterclasses, group workshops, and team training.
I work with a range of clients, from entrepreneurs to leaders of global organisations. I also coach several of New Zealand’s leading C-Suite executives.
E: miriam@nakedaudience.co.nz
M: +64 22 422 1143”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Linkedin: https://www.linkedin.com/in/miriamchancellor/
►Website: https://www.nakedaudience.co.nz/
___________________________________________
Podcast guest Avinash Kumar:
“I am a firm, highly focused professional debt collector with over 19 years NZ experience in the banking and finance industry.
I have worked (and continue to do so) in office and field which gives me an edge to remain current in both areas.
I have keen interest in overcoming excuses and resolving disputes to favor both my employer whilst remaining empathetic to debtors for possible repeat business.”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Linkedin: https://www.linkedin.com/in/avinashkumar2022/
___________________________________________
Podcast Guest Murray Fulton:
"Does everyone in your business seem to be working very hard but with little or no positive results? Are you trapped in a circle of busyness, focused on tasks and firefighting issues?
Take a step back. You need to understand the true value of your business. If it is too low, only then can you start improving it.
First, ensure the efforts of all stakeholders are aligned to build that value. Stakeholders can be both internal (employees, contractors, suppliers and customers) and external (bankers, accountants and lawyers). It’s not easy, but that’s where I can help.
As your business advisor, I can:
• Help you understand the current value of your business, and also the drivers that will increase its value.
• Ensure all your efforts are directed to improving the current and future value of your offer to clients and prospects. Improvements in gross margin, profit and cash flow will result from more sales.
• Help you improve market position and financial business value. This will drive your sense of purpose and power and that of your team. Improve morale, increase confidence and build on your success.
• Communicate the increased business value to external parties with access to funds, contracts and financial security (bankers, lawyers and accountants). I speak their language. I also ensure that they communicate both with each other and with you in a way that benefits everyone.
I will never:
• Tell you what to do. I may advocate and make you aware of the possible consequences but the decision-making is yours.
• If you make the wrong choice, I’ll never say ‘I told you so’. I’m an empathetic listener with high emotional intelligence. I’m known for my integrity, ethics, honesty and morality."
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://advantagebusiness.co.nz/
► Email: mfulton@advantagebusiness.co.nz
► Mobile: 021 900 001
___________________________________________
Owner of Scendent, Ryan Collier, shared his journey with mental health and why it inspired him to start Scendent.
A company allowing individuals to master the mind and their mental health through the power of events, clothing, and counselling.
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://scendent.co.nz/
► Tik Tok: https://www.tiktok.com/@scendent
___________________________________________
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
Podcast guest Melanie Spencer:
“I love business and I love growing businesses. A commercially-savvy senior leader, I thrive on helping businesses prosper with an instinctive ability to understand an organisation from a strategic viewpoint.
With nearly 20 years experience as a senior marketer in Sydney and Auckland with heavyweight clients in retail, property, banking, food & beverage, aviation and fashion — I wear many hats.
I have deep experience in growing, leading and managing businesses/agencies and understand what drives and motivates a team to do their best work.
Social media and making stories is where my heart is. With over 4 billion users worldwide, this phenomenon can’t be ignored.
At Socialites we help organisations thrive in this dynamic digital world and do this by using social media to bring a brand’s DNA to life, creating loyal customers, communities and driving commercial outcomes and in 2020 we acquired the The Social Club - New Zealand's largest Influencer Marketing Agency which further strengthens our business.
We help businesses define their purpose, grow and nurture fiercely loyal communities and cultivate meaningful conversations with world-class story-telling and thumb-stopping creative and win a few awards for it. A few of our favourites;
-
2021 Australasian Influencer Agency of the Year
-
2021 Silver Campaign Asia/NZ Social Media Agency of the Year
-
2021 Silver Campaign Asia/NZ Independent Agency of the Year
-
2021 11th in Deloitte Fast 50
-
2021 Westpac Business Awards Finalist (Strategy and Planning)
At Socialites we help our clients navigate and amplify their social presence to build brand awareness, their communities and ultimately business success.
We work with large enterprise clients such as New World, MARS, Westpac, Kimberly Clark, Mitre 10, The Warehouse and Microsoft NZ and APAC."
GUESTS DETAILS:
____________________________________________
►Website: www.socialites.co.nz
► Linkedin: https://www.linkedin.com/in/melanie-spencer-269512b8/
___________________________________________
Podcast guest Fiona Webby:
“My personal purpose is to enable others. I do this by removing barriers so that they can discover their authentic selves and reach their potential.
I have the incredible privilege of being GM of The Mind Lab and Tech Futures Lab where we are all about creating impactful futures. Every day we teach people across a number of Postgraduate Programmes including short courses like Digital Skills for the Workplace, Disruptive Technologies, Leading Beyond Sustainability, IoT for Sustainability through to Postgraduate in Leading Change for Good, Postgraduate in Digital & Collaborative Learning, Postgraduate Certificate in Human Potential in the Digital Economy, Postgraduate Certificate in Connected Environments, Master of Contemporary Education, and Master of Technological Futures.
Before joining The Mind Lab, I worked agency-side with brands, both big and small to help them understand and succeed in the ever-changing digital landscape.
Specialties: An optimist, Growth Mindset, Collaboration, Operations, Marketing, Growing People, Growing millennial's in the workplace, Navigating the Digital Landscape, New Technologies, CRM, Customer Journey Mapping, eDM, eCommerce Social Media, Mobile, Online Marketing, Team Management, Data & Analytics, Localisation & Deployment, 3rd Party Partnership Management, Financial Management.”
____________________________________________
►Ryan J Melton is an 📚Author 🎙️Speaker & 🎥 Founder of Tautoko Media: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://themindlab.com/
►Website: https://techfutureslab.com/
► Linkedin:https://www.linkedin.com/in/fionawebby
___________________________________________
Managing Partner of Prime Strategies Group, Rob Drower. A business advisory group focused solely on creating business excellence in the Small to Medium (SME) business market in New Zealand.
____________________________________________
►Ryan J Melton is an 📚Author 🎓Investment Adviser 🎥Owner of Tautoko Media and the founder of Money Skills: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://primestrategies.co.nz/
____________________________________________
Joshua Lewthwaite Co-Founder & CEO Izzybots. A Messenger Marketing company used to convert social media engagement into conversions.
____________________________________________
►Ryan J Melton is an 📚Author 🎓Investment Adviser 🎥Owner of Tautoko Media and the founder of Money Skills: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://www.izzybots.com/
► Linkedin: https://www.linkedin.com/in/joshualewthwaite/
___________________________________________
Emily Rust has supported recruiters and managers through to CEOs building high-performing teams, evaluating job success criteria, assessing performance, defining organisational culture, developing organisation-wide competency frameworks, and coaching people at all levels for professional growth and enhanced success.
____________________________________________
►Ryan J Melton is an 📚Author 🎓Investment Adviser 🎥Owner of Tautoko Media and the founder of Money Skills: https://ryanjmelton.co.nz/
►Get a Free Copy of His Book Here: https://mailchi.mp/1f3743900b02/freebook
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://www.lifework.group/
► Linkedin: https://www.linkedin.com/in/emily-rust-51056119/
► Email: emily@lifework.group
___________________________________________
Nick Rowland is the Marketing Manager of New Zealand Rugby, Director of Side by Side, and a true-blue sporting enthusiast.
____________________________________________
►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton
____________________________________________
GUESTS DETAILS:
____________________________________________
►Linkedin: https://www.linkedin.com/in/nickjrowland/
____________________________________________
CHAPTERS
0:00-Introduction
1:40-What Nick Rowland does
5:07-Cricket
5:50-The value of competition
8:50-High performers vs culture
9:48-Team culture
12:00-Vision
14:00-Team adoption
15:48-Obstacles
18:44-All Black Investors
20:00-NFTs
23:00-All Blacks NFT
25:00-Remaining curious
25:40-The All Blacks brand
27:58-Speak your truth
30:00-Diversity
33:10-Marketing fundamentals
35:00-Marketing through service
37:00-Steven Adams
43:40-Sales takeaway
46:10-Mental hangup
49:40-Work-life balance
52:48-The cost of success
54:39-NZ Baseball
1:01:00-Conclusion
Sam Farmer coaches people through change in three core areas of professional life: Next Generation Leadership; Psychosocial Growth; Professional Supervision.
LINKS AND RESOURCES:
____________________________________________
- Find sexual assault support near you-https://sexualabuse.org.nz/resources/find-sexual-assault-support-near-you/
- Mental Health Foundation-https://mentalhealth.org.nz/
- Shine helps keep you safe from domestic violence-https://www.2shine.org.nz/get-help/helpline/
____________________________________________
►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: http://enhanceltd.co.nz/
► Linkedin: https://www.linkedin.com/in/sam-farmer-62293414/
___________________________________________
Robert Erskine & Tony Rutherford are the managing Parters of Copper Fox
____________________________________________
►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://www.copperfox.org/
►Robert's Linkedin: https://www.linkedin.com/in/robertaerskine/
►Tony's Linkedin: https://www.linkedin.com/in/anthonyrutherford/
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So in this episode, we talk with Stewart. He's the managing director of FX consultants. And a lot of what he does is around the organizational psychology component because I think in business it's very easy to just focus on the bottom line, marketing and focusing on clients.
He had an interesting story where he talked about his experience working in a maximum-security prison as a psychologist. Sharing a scary prank the prison guards played on him on his first day as well as the psychological toolkit he uses for business and life.
A worthwhile listen.
____________________________________________
►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton
____________________________________________
GUESTS DETAILS:
____________________________________________
►Website: https://fxc.co.nz/
►Linkedin: https://www.linkedin.com/in/stewartforsyth/
►Newsletter: https://stewartforsyth.substack.com/
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This podcast started a little bit out of the gate. Daniel Watson, he's a cyber security expert and has a back story working in the territorial forces defusing bombs.
He talked about a person that was on their fishing boat who received an email saying we are going to share all the nasty things that you've been looking at online as well as what you're doing because we were recording the screen.
____________________________________________
►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton
____________________________________________
That’s a daunting experience, I don't know about you.
But I think any business owner that isn't thinking about cyber security during these times because it feels like a compliance tick that you have to get involved with.
In reality, it's going to help make your business better.
Even in our business, we're having clients asking us like:
What are your practices?
How are you protecting my information?
It’s going to become something that's very very important.
You don't want to be the person that's leaking information and losing brand reputation as a result of it.
Link to the full podcast episode in the comments.
GUESTS DETAILS:
____________________________________________
►Website: https://www.vertech.co.nz/
►Linkedin: https://www.linkedin.com/in/daniel-watson-cybersecurity
____________________________________________
I haven't met anyone like Sasha doing what Sasha does. She goes by the name Reno Girl. Well, that's what the website says. So I've decided that's the name she goes by.
We talk about her experience as a young woman moving from Ukraine, working three jobs to support a family, and then also working in the corporate world, having to sit on a little laptop while in a meeting room where they kept trying to move her around because to find some sort of underhanded way to get rid of her.
She managed to stick it out and work it all out. But the most interesting part outside of the personal journey and what she's done to be where she's at, being a single mother, owning her own house, running a well, I guess I assume successful business I don't know, for the last four years, but it's still gone through COVID.
So if anyone's sort of thinking about renovation, how to juggle the complexities of getting the supplies that you need, finding the right contractors, how to get your vision down on paper in a strategic way. Well, apparently she likes property and apparently, she likes planning. So I'm glad people like her exist because fuck it sounds awful to me.
But as I say, you know, it solves a problem.
____________________________________________
►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton
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We've got an interesting and diverse episode. Which is why I love doing this podcast. You don't know what the hell is going to come out of the stories. So this is Antoinette she's a lovely lady, a hypnotist as well as experienced in Neuro-linguistic programming. So essentially helping people discover their potential.
The key areas she helps with are anger issues and helping couples reconnect.
But the part that made it interesting is it's such a diverse story about how when she was a 17 year old girl she snuck out to learn how to fly. It was big news because a young lady, during that time in South Africa, it was quite a rarity to see them get a pilot’s license.
Other key moments were her learning scuba diving, hugging an orangutan and working with dolphins.
It's just such an interesting and diverse story with lots of swings and roundabouts.
It kicks off with us halfway through a conversation asking about my past and what led me to thinking a certain way.
That's enough rambling.
If you haven't subscribed for the newsletter team: https://mailchi.mp/8548019f8098/monthly-newsletter
What are you doing? It's free. You’ll all my content in one place.
We've even got two podcasts that I won’t tell you about the other one so you have to subscribe to find out.
You also get a copy of my book.
It's all in this link: https://linktr.ee/ryanjmelton
If you want a bit of more information, reach out.
If you want some help with your financial future, then let's have a chat, a Kumbaya session.
But that that's enough about me.
Let's kick into.
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Website: https://www.purepotential.co.nz/
Email: info@purepotential.co.nz
Disclaimer
Please note that this content has been provided for information purposes only. The content of this page is not intended as a substitute for specific professional advice on investments, financial planning or any other matter.
While the information provided in this document is stated accurately to the best of our knowledge and belief, Financial Planning New Zealand Limited (trading as OnePlan for Retirement) and its directors, employees and related parties accept no liability or responsibility for any loss, damage, claim or expense suffered or incurred by any party as a result of reliance on the information provided and opinions expressed on this page except as required by law.
In this episode, we speak with Sam Kamani. So he spoke on TED Talks. He sold 15,000 copies of his book, and he's part of an organization that have done $1.5 billion in transactions. And he talks about the idea of Web 3.0. And it's quite an overwhelming concept for many, but it's something we discuss throughout this is historic, technological advancements, things to be mindful of from an investment standpoint.
Don't have all your eggs in one basket, don't speculate so you're not in a position to lose money. But where from a business standpoint, how much money can be made and how worthwhile it is to keep an open mind when these new things arise. Because most people are resistant to change, most people see a new innovation and miss the boat.
So I reached out to Sam.
I wanted to know more about Web 3.0. So that's what it's going to be about. And anyone that's listening to this podcast, there's a newsletter where I pull all the information together: https://mailchi.mp/8548019f8098/monthly-newsletter
I've also got a book that's free, so there's a link in the description if you want to check it out: https://mailchi.mp/1f3743900b02/freebook
And there's a bit of information about Sam, too.
He's got his own podcast if you want to see the book, have a look:
Podcast: https://open.spotify.com/show/6PgkPhGTVh0CcBqqXCi38h
Website: https://www.samkamani.com/
So without further ado, let's kick into it.
Disclaimer
Please note that this content has been provided for information purposes only. The content of this page is not intended as a substitute for specific professional advice on investments, financial planning or any other matter.
While the information provided in this document is stated accurately to the best of our knowledge and belief, Financial Planning New Zealand Limited (trading as OnePlan for Retirement) and its directors, employees and related parties accept no liability or responsibility for any loss, damage, claim or expense suffered or incurred by any party as a result of reliance on the information provided and opinions expressed on this page except as required by law.
I need your help to make the podcast better.
I'm not happy with the quality of the episodes so I'm going to take a break to brainstorm how to make things better.
This whole thing wouldn't be possible without you so I'd love to hear suggestions.
Send me your thoughts via email or social media:
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KiwiSaver is about to collapse and people aren't ready for it.
What I'm talking about isn't necessarily something out of the blue. It's something that's been building since the global financial crisis in 2007. There was collateralized debt, essentially a combination of shitty loans that went together to make a good loan and with a good credit rating.
Then suddenly it tanked, and the market lost its confidence.
Taking years for the investment markets to recover.
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Three reasons why I think you should think about investing in something other than the NZx 50:
- Home Bias - Check out the 'The randomness of Global Equity Returns ' by Dimensional Funds here:https://www.dimensional.com/us-en/insights/the-randomness-of-global-equity-returns
- Certain companies in the NZx50 are overweighted
- The liquidity is comparatively low compared to global indexes
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Question of the day:
"I am 75 and have $70,000 in a conservative KiwiSaver fund. I will need some of this over the next few years.
As the fees and losses for KiwiSaver are both substantial, is it better for me to withdraw all KiwiSaver funds and invest them in term deposits?"
Source: https://maryholm.com/nz-herald-12-march-2022/
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RESOURCES & LINKS:
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Question of the day:
"We are fortunate enough to own our own home and a small holiday home, both mortgage-free. Estimated value $2 million and $600,000. This is taken from the lowest property value range.
My partner just turned 65 and is on NZ Super. I am 63, have terminal cancer and I’m on Supported Living.
Our problem is we have eaten through the savings over the last few years due to reduced income.
I would love to keep the holiday home a little longer to build memories with my daughter and grandchildren. Also for my own mental health. Even better, leave them the property to continue building memories where we all love spending time together.
Is it feasible or even possible to get an interest-only loan up to $100,000 to enable this to happen for the next five years, rather than give up on the dream now?
The loan would be used for essential repairs and interest payments, outside what we can meet on reduced income. I would prefer to progressively draw down the loan rather than get it all upfront, to keep interest cost down. And payable early if circumstances changed.
We do have life insurance if the inevitable occurred within the next five years. It’s lower than it was as we made an earlier terminal illness claim on mine and used it to repay our mortgage in 2016. Outliving your diagnosis has a downside financially.
As a general rule we live frugally. That would not change if we proceed. This would give me time to come to terms with having to sell something I worked very hard to achieve, and reduce the feeling it was all for nothing.
Is this foolhardy or worth consideration?"
Source: https://maryholm.com/nz-herald-12-march-2022/
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RESOURCES & LINKS:
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Tools for picking the Best KiwiSaver Fund in NZ
Risk Tolerance: https://comms.anz.co.nz/kiwisaver-risk-profile
ESG: https://mindfulmoney.nz/kiwisaver/checker/
Calculator: https://sorted.org.nz/tools/kiwisaver-calculator
Comparing Funds: https://sorted.org.nz/tools/kiwisaver-fund-finder
Forms to look for:
- Product Disclosure Statement.
- Quarterly Reports
- Statement of Investment Policy and Objectives
Get Digital Advice: https://www.nationalcapital.co.nz/kiwisaver-healthcheck
Find A Financial Adviser: https://financialadvice.nz/find-an-adviser/
Top 7 Ways To Withdraw Your KiwiSaver:
- Retirement
- First home
- Financial hardship
- Serious illness
- Permanently move overseas
- When someone dies
- Miscellaneous
Welcome to Finance News, we're going to talk about the soaring price of petrol in New Zealand, which isn't pretty. I mean, a lot of us are already struggling just to live paycheck to paycheck. Now suddenly petrol prices are taking off and people are freaking out, so much so that the government has actually made a drastic change.
What they're doing is they're going to make a cut $0.25 per litre of the tax that they were getting and using that to fund transport costs like roads and that sort of thing. The Treasury has worked out that that's going to cost the government over a period of three months, about $350 million. For a government that's already struggling in terms of printing money, getting into a position where they're using half their annual budget to fund the COVID relief, it's not a pretty sight and sadly I don't have a crystal ball.
But it would make sense that prices keep increasing irrespective of what the government does. You might be thinking the crude oil price increase and petrol at the pump here in New Zealand is being caused by the Russian and Ukraine war. That's not the whole truth. Yes, Russia is one of the largest producers of oil in the world.
Now suddenly it's inaccessible. And what happens when you do a drastic change like that? People freak out, they still need the oil, so they go to different places and there's a lot of competition. So then suddenly the prices go up. The other thing is OPEC one of the major suppliers of oil around the world, on the 10th of March, said, hey, we're not actually going to increase production.
And when you look at, let's say, property, let's say commodities shares, it's just a combination of demand and supply. So right now, there's concerns about supply and people rushing out, buying a whole lot inflating the price. But this is actually a problem that started two years ago with COVID. Suddenly, due to all the lockdowns. There was a huge drop in the demand for crude oil.
And what that means is they dial back production, they eased back. So now what we're seeing is there's not enough supply relative to the demand that we're having now because the global economy is suddenly very thirsty. Airlines are opening. Businesses are opening. Now, suddenly they've got this craving, this thirst that's been built over two years. So now there's concerns around too much demand for the supply.
The other thing that's been happening is greater regulation and scrutiny for the companies that would produce crude oil.
In summary the price changes was caused by:
-
increased regulation
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huge drop in demand and then suddenly a spike in demand. And then also the Russian and Ukraine, spontaneous bidding is really what's contributing to the global concern, especially here in New Zealand around petrol.
So in conclusion you need to be putting yourself irrespective of petrol into something that is inflation proof. You need to make sure you’re looking at things like KiwiSaver, managed funds, property, something that can hold value because if you're leaving money just in the bank, you're putting yourself in a position where the cost of living is increasing drastically faster than the return you're getting at the bank, still using a emergency fund, still make sure you're paying down debt as fast as you can.
If you pay down your debt, you've got a bit of money, that's when you've got to start looking at property, managed funds, things that hold value in the face of rising prices. That's all from me. Thank you for joining Finance News, New Zealand.
Anyone that's a first-home buyer, or looking to get another mortgage for their rental property, this is a video you need to see.
The new lending law, that came into effect in December, has been updated. It was the CCCFA and there was a big drop in loan applications. Good people that could actually afford the loan, weren't getting the opportunity to get a mortgage because of the new changes. The idea was that they wanted to protect vulnerable people from getting into debt that they can't afford.
There are three keys things to look at:
1. What have they changed?
2. Why are they changing the CCCFA?
3. What do the CCCFA changes mean for you?
So a really simple one that they've changed is they are no longer recognizing savings and investments as outgoings, which makes sense. You know, like if you take on a mortgage and you're saving and you have investments, it makes sense that you might be able to use that for your mortgage? So why are you calculating that as an outgoing? The other thing is they were looking at the last three to six months of your expenditure and assessing: how much you're spending on Uber Eats? How long are you going on Netflix? Why are you wasting money on these trivial things?Which would impact your ability to get a loan.
Now they're putting less ownership on it. They're focusing on future spending because they recognize that people change their habits to meet the requirements of their debt. So essentially, less focus on how you're spending your money as opposed to how you will spend your money and not going through your transactions with a fine-tooth comb like they were before.
And the final piece is they’re going to have clearly defined examples so it's easier for lenders to recognize what they should do in certain instances. And that steps into the why.
Why are they changing the CCCFA?
Essentially, there's a huge risk for banks and lenders in terms of a fine. So because they didn't want to pay this massive fine they overdid it and are now trying to reign it back in.
So that's the main reason why they're trying to give clearly defined examples so this doesn't happen. The other reason is that there was a drop in loan applications and people that should be able to get loans weren't able to.
That wasn't their intention.
So they have made adjustments accordingly.
What do the CCCFA changes mean for you?
It makes it easier to get in a position where you can get a loan but things are still tightening up.
It's still harder to get as large a loan, as you did before, the big inflationary concerns and all those people rushing out to buy property. But, what it means for you, is that you should still have the habits that they set the criteria for initially. Still spend your money as though you have the mortgage now. Worst case scenario, you have a higher deposit.
Sure, the changes are good.
Sure, it's none of their business to go through three to six months of statements to assess your ability to fund the loan but you can still have the habits of someone that's going to pay down their debt because the sooner you pay down that debt, the sooner you can become financially free and can start enjoying life the way that you want to.
The Russian invasion of Ukraine is a horrible tragedy that has captured the hearts and minds of the world.
A world torn between the instigating of a nuclear war and the injustice of war.
Finding a job on Seek, Trademe or Indeed isn’t as easy as it sounds.
Let alone trying to find your dream job.
So, I thought I share my top for ways for getting your dream job in NZ.
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RESOURCES & LINKS:
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►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
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This an episode from March 2020 in the midst of Covid where people’s KiwiSaver dropped by 20% to 30%:
“The short answer is nothing. When the hysteria bus takes over you’ll start developing this compelling urge to do something. Change your growth fund to a conservative or jump ship to another company not as badly impacted. Though it may have given you a sudden feeling of relief your finances won’t be thanking you.
In my line of work we call this crystallising your loss. Lets say you made an amazing 20% return from 2019 to 2020 then the market drops by 20% so you freak out and sell your assets to change the fund. What is your return now?
Despite what the latest journalist funded economist wants you to believe, it is nearly impossible to time the market, so in times like this, what matters isn’t the fluctuations in price, but instead, your risk tolerance, your time horizon for needing the money and making sure you don’t have all your eggs in one basket. By this I mean a diversified investment approach split across the four asset classes (cash, bonds, property and shares) which are the founding principles of why Kiwisaver exists and the very strategy we’ve adopted in our company for the last three decades.
This pandemic may be new but the markets reactions are not. "
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RESOURCES & LINKS:
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When I was younger. I didn't know what I wanted to do. I would try and compensate because I didn't feel good enough. And I'd go out and just really try to prove to myself and to my family that I was worth something. I used to envy people. Like what's your purpose? How do you have it all worked out? How do you know what degree you're going to do? How do you know what career you’ll pursue?
I feel like I'm just going to just, I don't know, I won't work it out.
And that's such a common narrative. And I really think the answer to finding your purpose is in your childhood. There are certain things, strong emotional themes I call them and I'm going to shape this and mold it into a course to include it in our offering.
But essentially there's emotional themes in your life that you find carry through from a strong emotional event in your life.
An event I talk about in more depth in today’s episode.
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RESOURCES & LINKS:
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William Tieu is one of New Zealand’s biggest finance influencers on Tik Tok. He has amassed close to 70,000 followers with content primarily focused around getting Kiwis into their first home.
In this episode, he shares his journey from engineer to financial advisor and how he navigates the pursuit of passion whilst still looking after his young family.
Book a mortgage call with William: https://calendly.com/will-284/10min?month=2022-03
RESOURCES & LINKS:
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►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
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Quick fire finance question of the day:
"My husband and I are 61 and 60. I work on a modest salary and my husband’s business unfortunately suffered badly as a result of Covid and he has had no meaningful work since March 2020.
At the end of 2020 we sold our family home, as we had become empty nesters. We have downsized to a lovely apartment in a good area that will hopefully increase in value over the years.
We plan to invest the residual funds from the sale (about $250,000) in managed funds. However, with the volatility of the market last year we ended up leaving the money in a low-interest account. As things still seem to be quite volatile we are still loath to invest in managed funds, as we may require the money for unexpected costs. We are being very conservative I know.
We would like to generate a small income from these funds whilst retaining the capital. Currently we could invest for two years at 2.5 per cent with the interest paid monthly. If we wait for two or three months interest rates may have even moved closer to 3 per cent. We have three questions:
Do you think this is a good option?
Is there any benefit in investing with a New Zealand-owned bank e.g TSB, SBS, Cooperative, Heartland or Kiwibank over one of the Australian-owned banks?
A number of the banks also mention Term PIE funds. How do these differ from normal investment funds?"
Source: https://maryholm.com/nz-herald-19-february-2022/
Quickfire finance question of the day:
"My husband and I are time-poor, and though I was fully across my own finances before we got together five years ago, we’ve since fallen into a pattern of him managing all the finances, and I feel I don’t know what’s going on.
He is completely supportive of me being as involved as I like. What do you think is a responsible and efficient way of assigning financial roles within a relationship, balancing duplication of time and work against the value of both partners being across the partnership’s financial processes and status? FYI we have fully combined our finances."
Source: https://maryholm.com/nz-herald-19-february-2022/
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RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
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►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
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If you were ever to try and learn better ways to save money. Why not learn from a saving expert who helps people with managing their money better?
Shirley McCombe, from Tauranga Budget Advisory, shares her best money saving tips, and why you need a budget that doesn’t feel like a ‘diet.’
Wanting to save money, instead of feeling as though you have to.
If you’re not sure where to start or what to do, anybody can reach out to the MoneyTalks helpline on 0800 345 123 for free, confidential support with personal finances. The team can put you in touch with your local financial mentor – like those at Tauranga Budget Advisory Service – if you need more in-depth support.
CHAPTERS
0:00 - Introduction
1:03 - How Shirley Became A Saving Expert
3:07 - How Do Saving Experts Get Paid?
5:40 - How Do You Help Someone Stressed About Money?
8:50 - Money Manipulation In Relationships
11:35 - Tips For Having A Conversation With Your Partner About Money
16:34 - How Do You Get Staff Interested In Saving?
20:10 - What Does A Saving Expert Do?
23:00 - How Do You Get Help For Things Not Related To Money
28:38 - What Trends Do You See That Lead To Money Issues
35:35 - How Do You Instill Good Saving Habits In Your Children?
39:48 - What Are Some Free Tools You Can Use To Get Better With Money?
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►Book A Consultation with Ryan: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/
►On Instagram: https://www.instagram.com/ryanjmelton/
Finding the best KiwiSaver provider in New Zealand is no mean feat. Like how do you even compare KiwiSaver providers or find the best one? Arguably you could say there is no ‘best’ KiwiSaver provider in New Zealand. But, there is a good KiwiSaver provider for you.
In this episode, I speak with the Director of National Capital, Clive Fernandes, who is on a mission to help 1 million Kiwis become financially secure, using his free digital KiwiSaver advice platform:
https://www.nationalcapital.co.nz/kiwisaver-healthcheck
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/
►On Instagram: https://www.instagram.com/ryanjmelton/
The top five investment strategies in NZ:
-KiwiSaver
-Managed Funds
-Rental Property
-Index Funds
-ETF’s
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/
►On Instagram: https://www.instagram.com/ryanjmelton/
In this episode, I answer the most searched questions about financial advisors in NZ.
-What does a financial advisor do?
-Is paying a financial advisor worth it?
-How do financial advisors get paid in NZ?
-How do financial advisors get paid in NZ?
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
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► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/
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This is from a leadership conference I ran in 2020.
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RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/
►On Instagram: https://www.instagram.com/ryanjmelton/
As a financial adviser in Auckland, I often get asked: how much do I need for retirement in NZ?
If you’re looking to retire in New Zealand using term deposits, then the answer’s a lot.
But with the right investment strategy, financial advice, and KiwiSaver provider, you can have a comfortable lifestyle in retirement.
CHAPTERS:
0:00 Intro
00:12 How much income do you need in NZ?
00:35 Where is that income going to come from?
00:43 Pension rates in NZ
01:35 Best investment strategies for retiring in NZ
01:45 Rental Property
02:25 Managed Funds
02:55 Term Deposits
03:48 Best investment strategy in NZ
04:51 Conclusion
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
The best way to save 30% of your income is with these four money saving tips, and despite what you might think, it has nothing to do with a savings account.
Here's my go-to on how to save money in NZ:
CHAPTERS:
0:00 Intro
0:04 First money saving tip
01:08 Second money saving tip
02:53 Third money saving tip
05:14 Fourth money saving tip
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
These 4 Money Traps to avoid in 2022, are less about money as they are about you.
CHAPTERS:
0:00 Intro
0:11 First Money Trap
1:31 Second Money Trap
2:48 Third Money Trap
4:26 Fourth Money Trap
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Could 2022 be the year the markets finally crash? Is your KiwiSaver going to Zero?
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Inflation in New Zealand is taking off, is there an end in sight?
CHAPTERS:
0:00 Intro
01:00 Why do I have such a strong emotional reaction to this person?
06:27 Do you think the markets have been healthy post-COVID crash?
10:00 Will inflation get under control this year?
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Quick Fire Finance for the Day:
"Here’s the thing. How on earth do you know the difference between investing and gambling? For the life of me, I cannot tell the difference.
Bank deposits return almost nothing, so they are not much of an investment. You may as well hide your money in the rose garden. No taxes, no fees.
Take a risk for a better return, and you’re a gambler, surely. There’s plenty of choice — take a punt on art, classic cars, Bitcoin, number plates, rental property, alpacas, phone cards, gold or shares.
The bigger fool theory relies on you finding a bigger fool to pay you more than you did in the first place. Somebody is bound to lose money at some point, surely. So Mary, what is the difference between investing and gambling?"
Source: https://maryholm.com/nz-herald-30-october-2021/
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Quick Fire Finance Question of the Day:
"I am just about to finish your book A Richer You, and I wanted to ask for some advice.
I love investing and at 20 years old I have a total of $20,000 across a Vanguard S&P 500 ETF and a smaller amount in New Zealand in the top 50 Smartshares fund.
What else can I do to get more financially ahead in my twenties? Maybe what you would have done if you could go back to the start of your twenties?
P.S I already have my KiwiSaver in a low-fee growth fund :)"
Source: https://maryholm.com/nz-herald-20-november-2021/
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
New legislation has recently come into force, that is having a huge impact on first home buyers, and existing property owners.
The Credit Contracts and Consumer Finance Act, or CCCFA for short, isn't a new concept, but the changes are.
The biggest change is that lenders now need to assess your income, and spending habits, to decide if you can fund your mortgage, both now, as well as in the future.
CHAPTERS:
01:29 What is the purpose of the new CCCFA changes?
02:33 What does the CCCFA have to do with payday loans?
03:54 How does the CCCFA changes impact first home buyer?
04:14 What should you do before getting a mortgage in 2022?
10:08 How does the CCCFA changes impact rental property owners with an existing mortgage?
14:04 Conclusion
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Quick Fire Finance of the Day:
“You always say to look at KiwiSaver fees[Mary Holms] and I’ve never been that bothered before. But seeing in recent columns how high the fees can get with a bigger balance has been eye opening.
I’ve just checked my fund and there’s a 1 per cent base fee and 0.95 per cent performance fee. At a balance of $45,000 I’m ok with those fees right now, as the fund has performed well, but I’ll keep a closer eye on that in the years to come. Thanks for highlighting this for me.”
Source: https://maryholm.com/nz-herald-11-december-2021/
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Quick Fire Finance of the Day:
"I am over 65. I have continued my KiwiSaver account in ANZ’s Balanced Growth fund. I have placed nearly $150,000 in it.
During the last two or three months it is not showing any growth. My intention is to grow the money and not use it for income as I have other sources of income currently.
Where should I invest so that there is good growth and my money is safe, and also I can take out whatever I need without a penalty?"
Source:https://maryholm.com/nz-herald-11-december-2021/
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
So, over the holidays I wrote a book, a children's book which started out being a children's book, but then sort of turned into a morbid teenager's book, and I don't even know why I wrote it in the end.
But there's a message in there, and I think it's applicable during these times of uncertainty and our tendency to project as humans. So, I thought I'd share it with you.
It's a draft.
Let me know what you think.
The Only Yellow, in a World Full of Blue By Ryan J Melton.
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Quick Fire Finance Question of the Day:
"We are fortunate to have paid off our mortgage and have no debt. We have switched the full amount of mortgage payments into an investment fund.
I’m wondering if it might be smarter to instead borrow to buy a rental property, and hopefully earn capital gains on.
The investment fund only earns returns on what we put in, but an investment property might earn capital gains on the full amount. If the rent could cover most of the mortgage interest, and we kept paying off the mortgage at the same rate we are now, we might be able to pay off an $800,000 house in around 15 years, by which time it may be worth far more.
While I’m certainly enjoying being debt-free, I’m wondering if getting back into debt for this type of investment might be the way to go. On the other hand, I worry that the housing market is overinflated and could face a big correction.
Source: https://maryholm.com/nz-herald-18-december-2021/
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Quick Fire Finance Question of the Day:
"Hey guys,
Love the content you've been producing. Haven't heard any discussion about Central banks yet but that's probably a dry topic for most. However, considering they're the biggest player in markets right now and subject to a lot of controversy, it'd be really interesting to get your take on them and what their impacts are for society.
Some questions i had were:
-Is it debatable that they exacerbate wealth inequality by pushing up asset prices considering only a small proportion of the population owns financial assets?
-Who owns central banks? Japan and Switzerland's are both publicly traded, but are there hidden benefactors behind the other central banks in the world?
-Are central banks supervised by any entity or do they rely on public trust to operate? This last point is probably more applicable to the US Fed considering the recent revelations of trading by their members.
Bit of a contentious topic I'm sure but that's what makes a good debate and an entertaining podcast!
Thanks for producing quality content anyway and the positive impact you're having in the world.
Cheers!
Sam"
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
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►On Linkedin: https://www.linkedin.com/in/nzpodcast/
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In this episode, I speak on the pros and cons of New Zealand's favourite investment vehicles for retirement.
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
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FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
If the market is about to collapse what can you do?
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
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FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
"Ryan talks to Debra about how to retire in style, without stress:
How to ‘retread’ instead of retire i.e finding interests outside of work.
Structuring your finances in a way that means you’re not dependent on the income of your business and can do the things you want in retirement.
Protecting your family i.e estate planning, relationship property.
Plus he shares why he's Ryan 'J' Melton, some of his big accomplishments professionally & personally, how he approaches sales & the use of social media & podcasts to build your business."
Source: EXPERT SPOTLIGHT - How to Retire in Style with Ryan J Melton - Episode 6, Season 2 of Better Business, Better Life!
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
It's easy to look at someone's success and think it's not possible for you.
That everything came easy.
That there's no way you could get there because your challenges are unique.
People don't understand how hard it is for you.
There could be some truth to that, but the reality is, if you want something bad enough, and you put in the consistent work, then it could very well become possible.
You can have the life you want.
You just need to be daring enough to try.
I recorded this episode with a long-time friend, and musician, Roy Matz, on August 13 2018.
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
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Don't run the risk of being one dimensional, sometimes you need to be cruel to be kind.
As humans it's so easy to get caught up in the crowd. Whether it's the German public acting as informants for the Nazi's, the 900 odd who committed suicide in Jonestown or the average joe walking past a tragedy without feeling the need to help.
As much as we like to think of ourselves as wolves (not sheep) in reality, we are deeply impacted by the people around us.
This episode is about protecting you from this human fallacy, so, you can make more informed decisions for you and your family as well as potentially use it to your advantage.
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Can you guess what it is?
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
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The reptilian brain, composed of the basal ganglia (striatum) and brainstem, is involved with primitive drives related to thirst, hunger, sexuality, and territoriality, as well as habits and procedural memory (like putting your keys in the same place every day without thinking about it or riding a bike).
Where this part of the brain becomes useful is when you're trying to influence someone early on in an interaction.
Appealing to their instinctual urges and responses to pivot things in your favour.
This new found awareness will protect you against the influence of others and empower you to take charge of your own basic desires.
Even if you don’t have a boat you should consider boat insurance.
Let me explain.
Commercial Marine insurance includes all goods transported via rail, road, air and sea.
Not just the boat itself.
So, any primary producers, retailers, wholesalers, manufacturers, miners and any business involved in the exporting and importing of goods could be at risk without this cover.
For the more personal pleasurecrafters out there, who own their own boat, this one’s for you too.
I break down both.
RESOURCES & LINKS:
____________________________________________
►Simple guidelines for better boat safety: https://saferboating.org.nz/
►Download MarineMate, Metservice Marine and the Coastguard app here: https://www.maritimenz.govt.nz/public/mobile-apps/default.asp
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
I’m very much a fuck it let’s see what happens kind of guy but there’s only so long you can roll the dice before something really serious happens.
I don’t want that to be you so in this episode I share the ultimate guide to travel insurance in New Zealand.
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
There is a monumental change about to impact the lives of 381,000 New Zealanders.
The Financial Markets Authority have come up with a new list of default KiwiSaver providers who, if you don’t make an active choice to change, will force you over to a new one.
Listen to hear why that should matter to you.
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
Why I think skyrocketing inflation, supply chain issues, immigration outflows, wage pressures and increasing interest rates could contribute to a very shaky New Zealand economy.
My car was stolen.
It sucked.
I didn’t have any emotional attachment to it.
The part that sucked was that I had the wrong vehicle insurance.
Third-party vehicle insurance….
Big mistake.
I wasn’t covered.
It’s something we take for granted. Assuming we have the right level of cover without having put much thought into it.
Wouldn’t you want to get the best value for money if it’s something you’ll likely pay for the rest of your life?
Weekly payments add up let me tell you.
Here are my seven tips for better vehicle insurance.
The reason for you and I crossing paths is that from a young age, I had an unhealthy obsession with what constitutes emotional success and understanding the best way to help others to achieve it. This obsession lead me on to an illustrious career in commission only selling and management for one of the world leaders in face to face marketing. The motivation for pursuing such a career was that I had a crippling fear of talking to people with an intention. Whether that be asking a girl on a date, a stranger for directions or selling. I knew deep down if I didn’t face this, then I had no place giving others advice. After forcing through the nerves and facing my fears, I had the good fortune of leading the education and direction of a team of 15 where their income was derived purely from their ability to achieve results. This experience was one I would never forget as it brought me to the door of Greg Moyle’s office. A Financial Planner with over three decades experience who helped lay the foundations of everything I know about investing today. Now it’s my turn to give back, by sharing what I’ve learnt about the underlining drivers of the human psyche and the financial framework you need to live the life you want.
It's time in the market not timing the market. We've all heard that in a theoretical sense but what about in reality? How do we mitigate the fluctuations in the market to achieve our objectives?
I was robbed six times over the course of two weeks. Not something you expect but something that happens many times over here in New Zealand.
The biggest consideration in this realisation is preparing for the best and worst-case scenarios. Not because I want you to have a morbid view of the world but more that I want you to be in a position where you do well durings times of growth and contraction.
You also like many New Zealanders, may have the majority of your wealth tied up in lifestyle assets like your family home.
Where, if everything doesn’t go to plan and you don’t have the house insurance, you could end up in a very tough financial position.
So, to help mitigate against this I share everything you need to know about home and content insurance in this episode.
When I only had $20 to my name, three days of food and a two-person tent I wrote down a dream.
I want to build a business centred around helping people achieve emotional success.
At the time, it seemed like a far-fetched idea.
Who would listen to a 23-year-old about success?
I know now that was my insecurities talking because it’s more about reps than it is about age.
Whoever has completed the most thoughtful repetitions wins.
The part that held me back was my ability to communicate and a crippling fear of talking to people.
So, I thought what better place to start than commission-only selling and management for one of the world leaders in face to face marketing where I had no choice but to face my fears?
An immensely valuable experience that taught me a lot about myself and life.
That combined with my unhealthy obsession with people and psychology helped me with a useful skill set that I want to share with you now.
I don’t have all the answers but what I do have is a framework for facing the uncertainties of life.
Many of you would have heard of the Reserve Bank of New Zealand but what do they even do and why are they letting inflation get so out of hand?
I have had countless conversations with people on the verge of suicide where if they hadn't reached out they might not be here. I know someone listening right now has those very same thoughts. I just want you to know that you're not alone, that someone out there cares about you and if you just gave someone the opportunity to try understand your pain then they might be the very reason you're still here. So, anyone listening to this that's considering taking their own life, or know someone that is thinking about it, then this ones for you.
Since July 1998 a floating rate mortgage has averaged 7% with a 2 year fixed rate mortgage being 6.5%. Best case scenario a growth fund provides an after tax return of 6%. Meaning even after the low interest rate environment rate we're experiencing now mortgage rates have outpaced the benefit of investing.
With so many options out there it can be hard to distinguish between a good KiwiSaver fund and a great KiwiSaver fund. Many will have you believe it's just about fees and returns but they couldn't be further from the truth.
Let me explain
The whole financial system is about to collapse and there's nothing we can do about it. At least that's what the newspapers would have you believe. They are right though, just for the wrong reasons. The markets have a natural flow, like seasons, except winter comes each decade instead of each year. Sometimes the seasons are longer but for the most part humans get so enraptured by greed it's usually just a matter of time. I share this with you not to scare you but to show that diversification isn't just important it's essential.
In this episode I share the underlying investment principles that meant over the 33 years of being in business our clients have never lost any money.
Medical care is free, why would I need insurance? One of the most misunderstood insurances in New Zealand is medical. We think it's only countries like America that need it but there's an aspect of our public health system that's really letting Kiwi's down. Listen to the episode to find out what it is.
The first home partner is an interesting policy brought in by our government. It might be for you it might not. Only one way to find out.
Losing your ability to work can hit you and your family hard.
Sure there are instances where ACC or Work and Income can help, but, what if you want more?
If this is your mindset then you might consider something like disability cover.
The main distinction between this and trauma cover is it’s based on your ability to work.
Has the injury or illness hindered you from doing your job?
There are a few potential hangups with this cover that I go through in this podcast so it’s worth having a listen.
HOW TO FIND US:
Book a Free appointment with Ryan
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The real threat to businesses isn’t Covid its interest rates.
It’s inevitable, inflation is just too high.
The reserve bank needs to do something.
Inflation has launched up to 4.9%
It’s just a matter of time.
I don’t have a crystal ball but what I do have is call after call with people over capitalised.
Planning their future based on a 3% interest rate.
It could very well remain that way but if you’re not stress testing your assumptions then you’re putting yourself at risk.
Start the conversation and ask yourself how would you cope when interest rates take off?
Book a Free appointment with Ryan
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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"Hi Greg,
I'm wondering if you could ease my concerns about New Zealand Superannuation.
I'm 35 years old and I don't think the government will have enough money to pay my pension in retirement.
In 2006, only 12.3% of NZers were over the age of 65.
Now in 2018, that number has risen to 15.2% with Stats NZ predicting by 2048 the number of people in that age demographic will be 1.36 - 1.5 million people.
I just can't see the $55 billion Super Fund paying for it.
Am I being irrational or is this a real concern?
Cheers, Tim"
The world's soil is being depleted of nutrients, obesity is climbing at alarming rates with a devasting amount of NZers showing signs of anxiety and depression. This alarming realisation isn’t designed to scare you, but instead, open your eyes to the possibility of things not going the way you expect. At some point, you could very well suffer from a serious illness or injury. It’s just an inevitable reality. Which begs the question, should you roll the dice with the expectation everything’s going to be ok or should you start putting measures in place to protect yourself? In this podcast, we learn the importance of trauma cover and why it’s an essential part of great financial planning. Book a Free appointment with Ryan If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Get A Free Book and Subscription To Ryan's Weekly Newsletter Connect with Ryan on Tik Tok, Linkedin and Instagram Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge
Life insurance is the unsung hero of estate planning. Sure you hear the stories of misleading insurance brokers and greedy providers but if you take the time to understand the wording of the policy and what you’re covered for, then it can really do a lot for you and your family.
I can think of an instance with Greg where his late wife in her thirties was diagnosed with terminal cancer and only given 6 months to live. She would go on to live for another 8 years where, in between looking after two young children, paying the mortgage of their new home and working in a commission-only financial advisory role, he would look after her.
You can imagine the toll this took on the family emotionally, financially and all whilst having insufficient insurance.
At the time it made more sense to have more cover for Greg as he was working full time.
A fair thing to do though in hindsight equal coverage could have helped them both substantially.
So, to ensure you don’t replicate this with your own family it’s important that you listen to today’s podcast episode.
Book a Free appointment with Ryan
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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In this episode we explore one of the most important topics we've never discussed, sleep. An epidemic impacting more people than Covid. If you're not optimising your sleep you're putting yourself at risk of heart attacks, strokes, dementia and depression. So to ensure that doesn't happen to you listen as I break down the teachings of Stanford Professor Andrew Huberman. The advice of Dr. Huberman is quite simple: If you drink anything that interferes with your Adenosine (like coffee and energy drinks), experiment to preserve your levels of Adenosine right (you should feel sleepy at night and sleep deeply). Exercise within 30 minutes of waking up. Use cold showers in the morning to phase shift your wake time forward. Viewing the sunset increases your resistence to artificial light in the evening. Do not get light between 11 pm and 4 am. Be consistent on the previous points. Napping is ok in the normal day cycle (somewhere between 12 pm to 3 pm, from 20 to 30min). If you have problem controlling thoughts dedicate time to control your mind with your body through yoga or meditation.
Links to several of the tools mentioned in this episode are listed below.
• 10 Min Yoga Nidra Script (no cost) https://youtu.be/M0u9GST_j3s
• 35 Min Yoga Nidra Script (no cost) https://www.youtube.com/watch?v=FroVfmOtaps
• Research Supported Hypnosis Scripts (no cost) https://reverihealth.com/
Book a Free appointment with Ryan
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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We see the world through our mind. You might have heard of the hypothesis that we're all living in a simulation. Which sounds too far fetched to be true but it almost is. The nervous system acts as a road map for our experience where even with good intentions our neurons can fire outside our objective reality. Where we look at the world through the same lens but different filters.
I know no matter what I say many of you are going to invest into shares. So in this episode I break down the latest school of thought relating to all things investing.
Most New Zealanders accumulated their wealth through the power of property. With prices at record highs it feels like you're missing out if you don't invest now. But there's an essential question often never asked; do you enjoy it?
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"Peer-to-peer lending providers match people who want loans with people who might be willing to fund those loans. You may be offered a high interest rate, but this is because you take more risk.
What is peer-to-peer lending?
When you invest via peer-to-peer lending, you're earning interest by loaning your money directly to an individual, small business, community group or charity. Borrowers list their request on a provider’s website, and investors browse the website to decide which loans to invest in. Lenders may be able to lend the full loan requested or just a portion of it. The provider may also group up similar loan requests so the lender has the opportunity to invest in a variety of loans at one time. Borrowers have to follow certain rules such as being honest about the information they provide about how they will use the money and their ability to pay it back. They can borrow a maximum of $2 million in any 12 month period, although some services may only allow smaller loans.
Understanding the risks
The borrower(s) may be unable to repay you, so you could lose your money or not get the interest you've been promised. Some providers offer ways to reduce this risk - such as spreading your loans across more borrowers or guaranteeing the repayments themselves. But this doesn't eliminate the risk. Even where the repayment is guaranteed you will only receive repayments if the person or service providing the guarantee has enough money to pay. Unlike some other investments, you may not be able to sell the loan or withdraw your cash whenever you want. If you're lending money you need to make sure you can afford to have your money tied up for the period of the loan. The general risks involved in investing also apply." https://www.fma.govt.nz/investors/ways-to-invest/peer-to-peer/
The shortest way round is the longest way home. The desire to escape the rat race impulses New Zealanders into making poor financial decisions. I don't want that to happen to you so in this episode I break down how you can differentiate between good advice and bad advice.
There will be a time where the market crashes impacting the majority of your portfolio. Not a pretty sight, is there something you could have done? In this episode I explain the power of commodities and why it's a pivotal part of every great portfolio. Book a Free appointment with Ryan
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Exchange traded funds are all the rage these days but there's one thing that has many experts worried. What do you think it is?
Have you ever wondered what makes the New Zealand dollar go up and down? Why NZers brag about how much money they're making on the Forex, only to lose it all the next day?
The objective of this episode isn’t to encourage you to invest this way but instead, give you the financial know how to recognise the difference between a great investment opportunity and a speculative bet.
Book a Free appointment with Ryan
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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You might have heard of terms like futures, options, swaps and CFDs. What in god’s name could it all mean and why should you care? In this episode, I explain in plain English, the power of derivatives and why they’re an important financial instrument in your investment tool kit.
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"What is crowdfunding?
Crowdfunding works by many people (the crowd) putting in small amounts of money to raise funds for a company or project. When you put money into an equity crowdfunding project, you're buying shares. Typically this will be in small or start-up businesses, meaning you become a part owner of the business. Crowdfunding is also often used to describe donation or rewards-based fundraising. In those cases, supporters receive rewards (for example tickets to a show or a credit on a film or website) or simply make donations to individuals in need or charities. This type of fundraising is legal but is not covered by financial market laws. Equity crowdfunding is usually done on websites run by crowdfunding service providers. Each service will work in a different way, but typically you'll be able to browse the website to see potential companies to invest in. You'll be able to read information to help you work out which companies you'd like to support. Then the service will tell you how you can purchase shares. For example, the service may hold your money until the fundraising goal has been reached. Then they’ll pass it on to the company who issues you with the shares you now own. Companies seeking money have to follow certain rules, such as being honest about the information they provide and how they will use the money. The most a company can seek to raise from equity crowdfunding is $2 million in a 12 month period."Sourcehttps://www.fma.govt.nz/investors/ways-to-invest/crowdfunding/
"Cash investments are relatively safe because you’re promised a fixed interest rate. But the returns you get through interest rates tend to be low, so they’re not always the best option – particularly if you’re saving for retirement. About cash investments Cash investments include savings accounts and term deposits with a bank, credit union or building society. You can also invest cash through a managed fund (this includes KiwiSaver) which pools together money from individuals for investments, managed by a fund manager. Understanding returns Savings accounts and term deposits typically guarantee a set level of interest each year. Most basic savings accounts allow you to withdraw your money whenever you want. A term deposit offers a higher interest rate but you may have to forgo your interest or get lower interest if you withdraw your money before the term finishes. Term deposits can range from three months to five years. Understanding the risks We don’t regulate savings accounts or term deposits but we do regulate managed fund providers. While generally considered a safer form of investment, there are still some risks to consider. Your money might not grow as fast as the cost of living Cash investments are considered low-risk but this usually means they offer a low-interest rate. If you have a long-term goal, such as saving towards your retirement, the risk is that your money won’t grow as fast as the cost of living. This is known as inflation risk. If inflation increases more than the returns on your investment, your money will have less buying power when you need it. There’s no guarantee on bank investments Putting your money with banks is considered one of the safest forms of investment in New Zealand, but there’s no guarantee the banks won’t fail. A good rule is to spread your money across different cash investments. Understanding costs Providers’ fees vary and depend on the accounts you choose. Generally, accounts offering higher interest also tend to have conditions attached, such as maintaining a minimum deposit in your account. There may also be penalties for withdrawing money early – such as a break fee, or reduced interest on early withdrawals. " Source: https://www.fma.govt.nz/investors/ways-to-invest/cash-investments/
"Capital notes are often issued by well-known banks, but are riskier than bank deposits. They may not be suitable for many investors. A household name and high headline rate of return alone are not good reasons to invest. You also need to understand the complex and potentially risky nature of these investments, and whether they are suitable for you.
What are bank capital notes?
Banks must hold a certain amount of ‘capital’ to make them less likely to become insolvent (go out of business). Banks issue capital notes to help them raise the capital they need. You may hear different investments being described as ’Tier 1 capital’ or ’Tier 2 capital’ – this describes how the bank can use your money to meet its capital requirements. The important thing for investors to remember is that different capital notes have different terms and conditions, so it’s always important to read the investment statement or product disclosure statement carefully. Common features of bank capital notes include:
-The bank may stop interest payments, or reduce the amount of interest they pay to investors, even if they’re still in business.
-The bank can convert the notes into shares in the bank (or their parent company). The value of those shares at the time they are converted may be a lot less than the amount you paid for the capital notes.
-The notes may be cancelled so you lose some or all of your investment, even if the bank is still in business.
Where these features are included, they will be described in the offer document (investment statement or product disclosure statement).
These features are usually subject to complex tests and conditions even experienced investors can find hard to evaluate.
Capital notes can also be issued by companies other than banks, and there are other financial products with similar features and risks to capital notes. These may be called ‘hybrid securities’, ‘subordinated notes’, ‘preference shares’ or ‘convertible preference shares’.
The product’s investment statement or product disclosure statement will describe its features."
Source: FMA Guide On Capital Bank Notes
The Ultimate Guide To Investing In Bonds. "Bonds are loans from investors to governments and companies for a fixed length of time, or term. Although typically they don’t have the high returns of other financial investments, they are seen as essential to any portfolio. They aren’t just limited to big institutional investors – everyday investors can use them to diversify their portfolios and spread risk." Source: https://www.fma.govt.nz/investors/resources/bonds-guide/
"What are binary options?
Also called ‘all-or-nothing’, ‘fixed return options’ or ‘digital options’, binary options enable you to make (or lose) money by predicting the short term movements in the price of a share, commodity, currency or index. Usually, the timeframes are short and you don’t have long to make your call – in some cases less than a minute. For example, you might put money on your guess that a share will trade above its current price in the next hour. If you guess correctly you could ‘win’ a fixed amount of money. If you guess incorrectly you would lose the money you invested." Source: https://www.fma.govt.nz/investors/ways-to-invest/binary-options/
A managed fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, property, and other assets. Managed funds are operated by professional fund managers, who allocate the fund's assets and attempt to produce capital gains or income for the fund's investors. A managed fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus. Managed funds give small or individual investors access to professionally managed portfolios of equities, bonds, and other securities. Each shareholder, therefore, participates proportionally in the gains or losses of the fund. Managed funds invest in a vast number of securities, and performance is usually tracked as the change in the total market cap of the fund—derived by the accumulative performance of the underlying investments.
"Cryptoassets are treated as a form of property for tax purposes. While there are different types of cryptoassets, the tax treatment depends on the characteristics and use of the cryptoassets. It does not depend on what they are called.
In most cases, the amounts you get from selling, trading or exchanging cryptoassets are taxable (this includes when you exchange one type of cryptoasset for another).
You may have to pay tax because you’re:
- Acquiring cryptoassets for the purpose of disposal (for example to sell or exchange)
2. Trading in cryptoassets.
- Using cryptoassets for a profit-making scheme."
Source: https://www.ird.govt.nz/cryptoassets
Over half a million Kiwis are living in Australia with a potential taxation nightmare the moment they return home. In this episode we explore buzz words like capital gains tax, non-resident withholding tax and financial arrangements. Answering the big questions:
Are you better off transferring your Australian Super to KiwiSaver?
Can a New Zealand resident buy property in Australia?
What are the tax implications of owning property in Australia?
So, many questions so little time.
Who will win?
Simran the co-founder of one of the largest investing education podcasts in the world, Girls That Invest, shares her journey, insights and how she turned a frustrating experience into a podcast powerhouse.
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Quick Fire Finance Of The Day:
"I want to start thinking about investing my money and/or saving for the future but I am a student and don’t have consistent income. I have about $10,000 in savings but since interest rates are so low at the moment I am looking at investing. Also any tips for future proofing your money while at uni?
"How the Family Court divides relationship property
General principles
The judge will be guided by some general principles when they divide your relationship property:
men and women have equal status
each partner has made an equal contribution to the relationship so relationship property should usually be shared equally (50:50)
it usually doesn’t matter if 1 person is more responsible than the other for the break-up of the relationship
unpaid work, such as caring for children and running the home, is equal in value to paid work.
Length of relationship
Together more than 3 years
If you’ve been married or in a civil union or de facto relationship for more than 3 years, relationship property will be divided equally, unless the court thinks that would be extremely unfair.
Together less than 3 years
If your marriage or civil union has lasted less than 3 years, the family home and contents will be shared based on what each of you has brought to the marriage or civil union if:
they were owned by 1 of you before the marriage or civil union began
they were received by 1 of you as a gift or under a will during the marriage or civil union
1 of you made a far greater contribution to the marriage or civil union.
Most people who have lived together in a de facto relationship for less than 3 years will not be covered by the Property (Relationships) Act 1976, unless there’s a child involved or 1 person has made a significant contribution to the relationship.
Dependent children
The Family Court must make sure any dependent children are looked after when it divides relationship property. This means the court may:
settle relationship property for the children’s benefit
postpone selling or handing over relationship property if it would cause undue hardship for the person who has day-to-day care of the children
ensure that both people have enough furniture to set up another home, especially if the children will be living there.
Times when relationship property isn’t divided equally
If the income and living standards of 1 person is likely to be much higher than the other person’s after the relationship ends, the court can give more to the other person. The court can do this by:
ordering 1 person to pay maintenance to the other person (this means 1 of you will need to regularly give the other person money for a set amount of time)
giving 1 person a one-off amount of money or more of the relationship property or some of the separate property." Source:
https://www.justice.govt.nz/family/separation-divorce/divide-relationship-property/how-fc-divides-property/#top
"Please would you let us know your thoughts on Michael Burry’s view that ETFs and index funds are the next bubble. Have just invested a fair bit through InvestNow and Simplicity. Michael Burry of ‘The Big Short’ says he has found the next market bubble Here is the CNBC article." Source: https://maryholm.com/nz-herald-27-february-2021/
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"Property is divided into two categories, relationship property and separate property.
What is “relationship property”?
Property (Relationships) Act 1976, s 8
Relationship property is the property that must be divided between the parties when their relationship ends. Relationship property will usually include:
family home and chattels (including the family car, household furniture and effects, and anything else owned by the family or used for family purposes). These are all usually considered relationship property regardless of who paid for them or when they were acquired family businesses and investments (the general rule is that any business used to produce family income and any savings or investments made out of family income are treated as relationship property) property owned jointly or in equal shares by the spouses or partners property acquired during the relationship property acquired in contemplation of the relationship and intended for common use or common benefit contributions to superannuation and insurance policies after the relationship began increases in the value of relationship property, or any income from it or any proceeds from selling it.
Note: Taonga and heirlooms are excluded from the definition of “family chattels” and so will usually be separate property rather than relationship property, but this will need to be decided on a case-by-case basis.
What is “separate property”?
Property (Relationships) Act 1976, ss 9, 10
Separate property is the property of each spouse or partner that is not relationship property. The general rule is that separate property remains the property of the spouse or partner who owns it and does not have to be divided according to relationship property law.
Separate property includes:
property acquired by either spouse or partner while they are not living together as a couple property acquired out of separate property and any proceeds of sale of separate property increases in value of separate property, and income, interest or dividends earned from separate property that a spouse or partner acquires from a third person by gift, inheritance, or because the spouse or partner is a beneficiary under a trust settled by a third person (unless this property gets mixed with relationship property).
Note: Gifts given by one spouse or partner to the other are not relationship property unless the gift is used for the benefit of both spouses or partners.
Can separate property become relationship property?
Property (Relationships) Act 1976, s 9A
Separate property may become relationship property if it gets mixed with relationship property or used for family purposes. For example, separate property may become relationship property where it is used to acquire or improve relationship property.
Also, where the value of one spouse’s or partner’s separate property is increased by:
the direct or indirect actions of the other spouse or partner, or the use of relationship property, then the increase in the value of the separate property is considered to be relationship property." -Source:https://communitylaw.org.nz/community-law-manual/not-rated/dividing-your-property-when-you-split-up-relationship-property/classifying-and-valuing-relationship-property/
"Usually a relationship will need to have lasted at least three years for the PRA’s equal-sharing regime to apply. However, sometimes shorter relationships (where there are children or a partner has made a substantial contribution) will also qualify if that would be just. A relationship that has not lasted for three years is classified as a “relationship of short duration” and different principles are applied in dividing the property. Where a couple has been in a de facto relationship and then married or entered a civil union, the total length (de facto and married/civil union) of the relationship is taken into account. The PRA can also apply if one or both partners have been declared bankrupt or one is mismanaging the relationship property, or if one or both partners need a declaration from the court concerning the status or ownership of any particular asset (eg, for tax purposes). If you do not want the PRA to apply to you and your relationship property, you will need to make a legal agreement contracting out of it (see “Contracting Out” below). If you entered into a property-sharing agreement before the PRA came into force on 1 February 2002, check that the agreement will still achieve what you want" Source: https://www.lawsociety.org.nz/for-the-public/common-legal-issues/dividing-up-relationship-property/
Ben Male Founder of Team Empathy: "People go into business to help other people ❤️Whether it's local services, fresh produce, tangible products or digital goods; we're all in the business of making other lives better. When we're online like on Google, we show up as a way of solving someone's problem or answering their question. In doing so we help out, add value, and an exchange usually happens so you as a business can carry out that support. Our vision at Team Empathy is to help you help others. As many people as possible, to contribute to a happier world 🌍We focus solely on sustainable SEO and radical growth consulting. Our mission is to keep marketing simple and effective: using the best and most straightforward techniques to get you out in front of your people 😊"
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"The Property (Relationships) Act 1976 deals with how the property of married couples, civil union partners and de facto couples is divided when a relationship ends. The Act covers a relationship ending because of a break-up, but it can also cover a relationship ending because of the death of a spouse or partner. The purpose of the Act is to recognise the equal contributions of both partners to their relationship and to provide for a just division of property when their relationship ends, taking into account the interests of their children. The general presumption of the Act is that a couple’s property will be divided equally between them. There are exceptions to this rule, however. In particular, there are different rules about how property is to be divided where a relationship has lasted less than three years." Source: https://communitylaw.org.nz/community-law-manual/chapter-12-relationships-and-break-ups/dividing-your-property-when-you-split-up-relationship-property/
"There are different types of land ownership in New Zealand. The type of ownership has a direct impact on what you can and cannot do with the property. There are four main types of property ownership in New Zealand – freehold, leasehold, unit title and cross lease.
Freehold, also known as fee simple, is the most common ownership type in New Zealand. Leasehold is when someone else owns the land. You purchase an exclusive right to possession of the land and the buildings on it for a specific period of time according to the terms of the lease. Unit title ownership is most common in a building development where there are multiple owners. In a cross lease, you own a share of the freehold title in common with the other cross leaseholders and a leasehold interest in the particular area and building that you occupy." Source: https://www.settled.govt.nz/buying-a-home/finding-a-property/understanding-types-of-ownership/
"'We are saving via a small basket of shares as a long-term investment, including a couple of managed funds and an index fund. I appreciate your advice(Mary Holme) that it’s the best way for an amateur to invest. However, given more and more amateurs investing in the share market via KiwiSaver, Sharesies or otherwise, is there a chance of these funds becoming over-valued because of popular appeal? Particularly in New Zealand where there’s only a fairly small range of products available. What is there to stop the well-meaning amateur from buying shares in a well-marketed fund for a high price that actually only holds minimal assets and has much less real value? Are we at risk of buying tulips?" Source: https://maryholm.com/nz-herald-27-february-2021/
Book a Free appointment with Ryan If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge
Business Financial Adviser from Finsol Doug White: "I’ve been in the banking game for the last twenty years, and before joining Finsol, I was a Business Manager for Kiwibank for eight years. I hold both Level 5 Financial Advice with Investment and Residential Lending certificates. I really enjoy helping Kiwi businesses and their owners succeed and ride the journey with them. My niche is being honest and real with all interactions with clients and always giving a fit for purpose solution, and at times that’s not always lending related. I have been married to my Leina for the last 21 years and have a 16-year-old daughter that wants to get her driver’s license – man; they grow up so quickly."
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You begrudgingly sold your life to the bank now what?
The first step in managing your mortgage is knowing when to hold them and when to fold them. Principally the driving factors for making a change to your mortgage are either interest rates or repayments. Ideally you want to assess this every one to two years or when one of four things happen:
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The fixed rate loan term is about to end.
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You’re sprung by a change in interest rates for your floating rate mortgage.
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There’s a change in the horizon that could impact your finances in a significant way.
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A big lump sum is on route.
Personally, I feel people get over excited about their ability to predict the future of interest rates when instead they should be thinking about which structure best suits their specific situation.
Here’s a few things you can do to sharpen up your mortgage matrimony:
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Estimate The Consolidate-Incorporate all those pesky overpriced credit card and car loans into your mortgage to capitalise on the lower rates. Keeping in mind that if you don’t pay more now, you’ll pay more later so increase the repayments to match the increased debt.
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Undo The Redo- Sometimes it makes sense to find a more appropriate lender or structure. You might want a floating fixed combination as it gives you the ability to pay off in lump sums as well as the reliability of fixed repayments. You also might find another lender is a better match for your situation. Whatever you decide, just be conscious their could be early repayment fees for a fixed rate loan, application fees to join the new lender and a legal/valuation bill to reassure the lender. Just like any business though they often bend over backwards to get your business.
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Holiday Stowaway- Repayment holidays aka the sweep it under the rug approach are for the moments you’re really struggling. You can have a three-month break from your repayments just be mindful that the debt still compounds throughout so you’re living for today at the expense of tomorrow.
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Forced Divorce- When the honeymoon ends what happens to your house? It’s often referred to as ‘negative equity’ where the amount you owe surpasses your home’s value. At first the bank might attempt what’s called a mortgagee sale where they sell your home to recoup the debt and pay you the profits. If that doesn’t fit the bill they’ll come after anyone who guaranteed the loan. Also, if the terms and conditions allow it, the bank might just take money straight from your account. It’s the old saying: “Banks will give you an umbrella when the suns out, but want it back when it rains.”
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Insure For Sure-Some of the most heart-breaking stories I hear is when a loved one passes away and your left a mortgage you can no longer afford. Which as much as I hate to admit it, insurance, when done right, can change lives. So, consider income, home, trauma and life insurance in your property plan.
When you hear the phrase: ‘you should talk to a lawyer’ the hair on the back of your neck stands up. Don’t lose hope. They’re an essential tool to leverage when purchasing or selling a property. Here’s a framework for the initial stage: 1. If you’re the seller: · Ask a lawyer what the best-selling methods are, the agent options, a good price range and if to needs due diligence. Agent options might include a multiple listings approach where all the agents have a crack or a sole agent agreement where you give exclusive rights. If you give the exclusive rights to a real estate agent, be mindful that sometimes even when you cancel, it still defaults to a general agreement that you need to cancel too if you’re over that agency. · A few selling methods you might use are: o Negotiation-Chill & Grill. Exclude the price wait for offers to come to you and negotiate. o Tender-Now or Never. Set a deadline and pick the buyer you like best. o Auction-Deal or no deal. Once the reserve price is reached the property goes to the highest bidder. o Advertised price-Fire & Forget. Market the price without an end date. o Deadline sale-Inline or out of time. Advertisement with an end date. · If the property isn’t your main home then the tax implications become very important so consult an accountant or a qualified lawyer as well as use the IRD’s property tax decision tool as a gage. · If you’re selling a Unit title, like an apartment for example, ask a lawyer if you need to make any statutory disclosures to the buyer. Also, a good rule of thumb is to make sure you complete a pre-contract disclosure statement before marketing the property as you need to do this before signing the sale and purchase agreement anyways. Here’s an example of what you should include. 2. If you’re the buyer: · It’s basically the same but in reverse. Check if you’re entitled to any statuary disclosures if it’s a unit title and ask for some guidance on price. · If you’re not a permanent New Zealand resident, citizen or from Australia/Singapore, then make sure to get consent from the Overseas Investment Office before you sign the agreement. · The real art is choosing the right property so if you want a more in depth summary then check out Settled or the Law Society’s property check list
"I am almost 57 years old, a single woman. I own a home in central Wellington worth $1.3 million, with a $45,000 mortgage. No other savings or debts (as I put all my savings towards my mortgage), but $120,000 in KiwiSaver. I have a permanent job paying $105,000 per annum. I intend to work as long as I can! Do you recommend that I purchase an investment property, or invest in stocks and bonds? If you recommend an investment property, what’s the maximum I should spend?" Source: https://maryholm.com/nz-herald-30-january-2021/
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It sounds silly but sometimes just asking the right questions can make the world of difference to your mortgage. Here’s a few to get you started: “What fees do you charge? For all loans, ask about application fees and other charges such as a low equity fee. For fixed-interest loans, ask what fees apply if you increase repayments, make lump sum repayments, or repay the whole loan early. What will be the total cost of this loan, including fees and interest, for the sum I am borrowing and the term I have chosen? The lender will have to make an assumption about interest rates to do this calculation. But it will show how much you’ll pay back in total. (Note that the lender is required to disclose the fees and interest separately.) Also, ask for the total regular payment in a year if the interest rate were to be 1% higher than now. That will give you some idea of the risk if rates rise. What changes can I make after the mortgage is set up? For all loans, ask whether it's possible to increase regular payments from time to time, pay in lump sums, and pay off the mortgage in full before the end of its term. Ask if there is a required period of notice before reducing or paying off the loan with a one-off payment. Fixed-interest loans normally convert to a floating rate at the end of the term - ask about taking another fixed term instead at no charge. If I buy a new house, can I transfer the existing mortgage? If the answer is yes, it's likely to save money in fees. If I have a problem that I can’t sort out with you, where can I go for help? Approach the lender with a complaint or problem in the first instance. If that doesn't result in a satisfactory resolution there are independent bodies available which can investigate and help settle disputes such as the Banking Ombudsman and the Financial Services Federation, which represents some non-bank lenders.” Source: https://sorted.org.nz/guides/home-buying/questions-to-ask-a-lender/
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Dr Emma Woodward founder of The Child Psychology Service: "As well as being a child psychologist, I’m a mum to four boys. This means that I’m really in touch with the realities of having kids, the problems they face and how the school system in New Zealand works (and no, my kids aren’t always perfectly behaved!). I’ve been working with children, their families and schools for over 20 years. In fact, apart from a brief spell as a baker in a supermarket in the mid 90’s, it’s been my whole career. When I set up The Child Psychology Service in 2014 it meant I was free to focus on what I truly believe and help strengthen families by providing support focused on building well-being and resilience. I’ve been lucky enough to meet wonderful, experienced and like-minded practitioners along the way and I now feel fortunate to be able to say that I call these practitioners, friends and colleagues."
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With house prices skyrocketing beyond the income of the average New Zealand household the idea of building up the resources to purchase a new home can feel pretty daunting.
For those of you with a five-to-ten-year timeframe one of the best vehicles for getting around this is a combination of both managed funds and KiwiSaver. An important consideration with this approach is ensuring you have the right investment mix for your risk tolerance and time horizon, information of which you can found here.
Also, Kariang Ora provide government support for those not quite where they want to be with their deposit:
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First Home Grant- Up to $5000 each for an existing home and $10,000 for a new home.
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First Home Loan Scheme- Instead of the 20% deposit usually needed they offer a 5% alternative.
When you pull together the cash you need, the process can then be broken down into five steps.
1. Finance– Budget, save, and consolidate. Conservative simplicity is the key to staying out of deep waters.
2. Find– When making this decision it’s important to understand your first home isn’t going to be your last. Starting humbly with a focus on location, proximity to public transport, shops, and schools as well picking a home comfortably in your price range will do more for your financial future than the feel-good factor of having the best house on the block.
3. Fix– Get a pre-purchase inspection in the form of a full builder’s report and a new LIM. LIM more commonly known as Land Information Memorandum will outlay the issues with the land and the report will provide insights about the building.
4. Fence-It’s always better to build a fence at the top of the hill than clean the mess up at the bottom. Before signing a mortgage, sale agreements and transferring ownership it’s important to have a lawyer give it the once over.
5. Fund- The common ongoing costs are rates, maintenance, insurance (home, contents and mortgage) and body corporate fees for those apartment friendly folks not wanting to deal with maintenance. If you decide to dip your toes in the apartment world once again make sure the lawyer gives the paperwork the stamp of approval and they it includes a fund for major maintenance just in case.
Property (Relationships) Act 1976, s 1N
"The law relating to the division of relationship property is guided by these general principles:
· men and women have equal status, and their equality should be maintained and enhanced
· all forms of contribution to the relationship are treated as equal. This means non-financial contributions, such as caring for children, are valued equally with financial contributions, such as working for a wage
· a just division of relationship property needs to take into account any economic advantages or disadvantages to a spouse or partner as a result of the relationship or as a result of the ending of the relationship
· relationship property issues should be resolved as inexpensively, simply and quickly as is consistent with justice."
Where to go for help
- Community Law Centres for free legal advice
- Citizens Advice Bureau for information, advice and support
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Lawrence Lotze, host of 'The Wolf of Queen Street' Podcast has always had a passion for helping to connect people through similar life experiences and challenges and found that creating a podcast was the best way to do this. Over the last two years, he has focused on building and promoting a brand that enables him to do what he loves. Through the support and guidance of his new found network, he has managed to create a successful platform which enables him to reach out to views across all nations. During this success, life decided to bring him back to earth with a thump. He was given a harsh reality check that we are all only human. This came in the form of a brain tumour which he was diagnosed with in April 2019. Lawrence has always seen himself as a healthy guy, so to find himself in this life-altering situation was something he struggled to deal with. In June 2019, he underwent brain surgery to remove a golf ball size tumour and although he has recovered physically, he was not prepared for the emotion and financial impact this would have on himself and his family. In the beginning of 2020, he has found himself financial impacted due to time off work and the need to rediscover what life is like requiring a lifetime of medication and changes to his personality. He reached rock bottom and now he is working on building himself back up with the support of my family and friends and of those who have inspired him via his podcast. “I think that I can best sum up my current journey with the following quote from James Patterson – “Imagine life is a game in which you are juggling five balls…..1. Work, 2. Family, 3. Health, 4. Friends. 5. Integrity. Work is a rubber ball. If you drop it, it will bounce back. The other four balls……are made of glass”.
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Funeral costs
You’ll need to think about the kind of send-off you want for your partner, but also about what you can afford. Talk to a funeral director about the options available. Even a basic funeral can be expensive but check if the costs are covered by your partner’s life insurance policy or other savings.
If the death of your partner was the result of an injury, ACC can help towards the costs of burial, cremation and related ceremonies. There’s helpful information on the ACC website about their funeral grants.
And if your partner was a beneficiary, Work and Income may help with funeral costs and ongoing living expenses. Find out more on the Work and Income website.
Wills and estates A will formally spells out how your partner’s assets (their ‘estate’) should be dealt with after their death. It may also include instructions for their funeral.
An estate could include things such as property, car, bank accounts, investments, KiwiSaver – anything owned in their name.
You will need to find a copy of your partner’s will or the solicitor or trustee company (e.g. Public Trust) they made their will through.
Until the will is settled (this is called ‘probate’) you may not be able to access your partner’s assets.
If your partner dies without having made a will, the law decides who among the family gets their assets. They may be divided differently to the way your partner would have wished.
For example, with married couples there is a set formula where the surviving partner will get the first amount in the estate, then the balance is divided between the partner and any children.
Guide to wills
Under the Property Relationships Act, if you have been in a relationship for three years or more, you’re entitled to half your partner’s ‘relationship property’ if they die, unless you have made a separate agreement.
Guide to planning in a relationship
Bank accounts If there was a joint bank account, you may need to talk with the bank about changing the account details after your partner's death. Or you may need to discuss with your partner’s bank about gaining access to their personal accounts.
If you receive a life insurance payout, the bank will be able to advise on appropriate savings or term deposit options to store the money in the short term.
KiwiSaver and superannuation If your partner had been paying into a KiwiSaver or other superannuation scheme, the money will be paid into their estate and will be dealt with along with their other assets.
For some workplace superannuation schemes, a benefit (similar to a life insurance payment) may also be paid on death. In some schemes it is the scheme trustee's responsibility to determine who the benefit is paid to – so it's helpful if your partner’s preferences are made clear in their will.
Tax matters
If finalising your partner’s tax affairs you’ll need to talk to Inland Revenue. Their website has information about tax issues after a bereavement.
Source: https://sorted.org.nz/guides/protecting-wealth/losing-a-partner/
"The idea with a family trust is to protect the ownership of our assets. Here’s how trusts work: we transfer the legal ownership of our assets to the trustees while continuing to use and enjoy them as long as the trust deed permits. For example, if our family home is in a trust, we no longer personally own the house – but we can still live in it if that’s what the trust deed states and the trustees agree. Benefits of a family trust Family trusts are designed to protect our assets and benefit members of our family beyond our lifetime. When our assets are in a family trust we no longer have legal ownership of them – the assets are owned by the trustees, for the benefit of our family members. People usually set up a family trust to get some benefit from no longer personally owning an asset. A family trust may be useful to: Protect selected assets against claims and creditors – for example, to protect a family home from the potential failure of a business venture. Set aside money for special reasons, such as a child or grandchild’s education. Ensure our children, not their partners, keep their inheritances. Manage the risk of unwanted claims on our estate when we die – such as from a former partner." Source: https://sorted.org.nz/guides/protecting-wealth/family-trusts/
John Maybury host of the 'Find My Voice' podcast, invites me on to discuss the power of brand, marketing and how to produce 70 pieces of content a week.
"How to make a will
Don't have a will yet, or need to update a previous will? You can get one drafted by someone with experience, such as a lawyer or trustee company. A will must also be signed and witnessed. If the proper procedures are not followed, a will may not be valid. Wills don’t have to be pricey. Some lawyers will even write one for free, so there’s no harm asking around. Online platforms such as Public Trust and LawHawk also offer low-cost options for wills and enduring powers of attorney. You can also find planning help at Te Hokinga a Wairua. Top 5 tips for wills
- When you get married, the will you wrote before marriage is no longer valid.
- If you die without a will, all your assets do not automatically go to your partner.
- If you die without a will, the government will use a formula to divide up your assets.
- The last will you signed – even if it’s out of date – will be the one used if you die.
- Wills are not just about what you leave to people – they can also identify the person you want to look after our children. " Source: https://sorted.org.nz/guides/protecting-wealth/wills/
"An enduring power of attorney (EPA) is a legal document giving someone the power to act for us if we lose the ability to make decisions for ourselves.
The two types of enduring powers of attorney There are two types of EPAs: one for money and property, the other for personal care and welfare. It is recommended to have both.
These rights can be given to the same person or to different people, but even if given to the same person, each power needs to be granted specifically and separately. There is the opportunity to be clear about where the rights can be applied.
Why everyone needs an enduring power of attorney Everyone 18 or older – whether young or old – should establish an EPA for both their property and their welfare. And, as it needs to be done when people are still mentally capable, it makes sense to do it as soon as possible.
People tend to think only the elderly are likely to need someone to manage their affairs but anyone can become mentally incapable at any age. An accident or illness may be the prompt for needing an EPA.
Our money and property Anyone can appoint one 'attorney' (or more than one) for their money and property. An EPA for property can be activated straight away and, once that’s done, our attorney(s) can act for us on our instructions.
There may come a time when a qualified health practitioner assesses that we aren’t able to make these decisions ourselves – from that point on our attorney will have the power to act for us. As an alternative to it being activated straight away, we can choose for the EPA to only come into effect if this happens.
Without an enduring power of attorney, no one else can deal with our property or financial affairs on our behalf without a court order. Our family and even our partner or spouse may need to go to court to get this power. Not having an EPA can cause our loved ones a lot of stress and cost them a lot of money too.
Things our attorney can do for us include managing bank accounts, paying bills, or buying and selling property on our behalf.
Our personal care and welfare We can only appoint one attorney for our personal care and welfare. This enduring power of attorney is only activated once we are assessed as not being able to care for ourselves. This type of attorney can make decisions about things like medical treatment.
Choosing an attorney An attorney should be someone we trust. We can appoint different people to be attorneys for the two different areas – but we need to make sure they are people who can work well together!
For personal care and welfare the attorney can be a family member, friend or anyone who has our best interests at heart. It can only be one person and it cannot be a trustee company.
For a property EPA the attorney can be one or more people, or a professional trustee company. If more than one person is appointed, we can require that they act together, so that they both have to sign any documents on our behalf, or we can allow each of them to act independently, but always in consultation with the other person.
For both personal care and welfare and for property, a successor attorney can be appointed, who will become our attorney if the first person can’t act as our attorney, for example if they have died or are incapacitated.
Our attorney has to consult us as much as they can when they are making decisions for us.
Creating an enduring power of attorney
Independent legal advice is required before creating an enduring power of attorney, as is having the documents witnessed by a lawyer, qualified legal executive or representative of a trustee corporation. Even married couples need separate legal advisers." Source
Pam has been involved in the financial services industry since 1974, having spent 22 years in banking leaving a Branch Management position to pursue a career as Financial Adviser in 1996. Her main focus is in the area of Group Health Plans and Risk Protection – Life, Trauma, Disability and Income type covers for both personal and business clients. Touch base with her on +64 27 458 7668
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"Revolving credit loans work like a giant overdraft. Your pay goes straight into the account and bills are paid out of the account when they’re due. By keeping the loan as low as possible at any time, you pay less interest because lenders calculate interest daily. You can make lump-sum repayments and redraw money up to your limit. Some revolving credit mortgages gradually reduce the credit limit to help you pay off the mortgage. Application fees on revolving credit home loans can be up to $500. There can be a fee for the day-to-day banking. transactions you do through the account. Advantages:
If you're well organised, you can pay off your mortgage faster. This also suits people with uneven income as there are no fixed repayments.
Putting surplus funds into this account rather than a separate savings account will give bigger interest savings and also avoids the tax on the savings account interest.
Disadvantages:
It needs discipline! It can be tempting to always spend up to the credit limit and stay in debt longer." Source: https://sorted.org.nz/guides/home-buying/mortgage-types/
Reducing or straight line mortgages repay the same amount of principal with each repayment, but a reducing amount of interest each time. These are quite rare in New Zealand. Payments start high, but reduce (in a straight line) over time. Fees are similar to table loans. Advantages:
- We pay less interest overall than with a table loan because early payments include a higher repayment of principal.
- These may suit borrowers who expect their income to drop, for example, if one partner plans to give up work in a few years’ time.
Disadvantages:
If we can manage higher payments, it would be better to take a table loan with payments high for the whole term, so we pay less interest"
Source: https://sorted.org.nz/guides/home-buying/mortgage-types/
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Darcy Ungaro, host of the NZ Everyday Investor and Director of Ungaro & Co:
"Unorthodox, slightly contrarian, a bit eccentric- be prepared to hear what you need to hear if you’ve chosen to catch up with me. Why listen to the status quo when the world’s changing all around us?
Disruption, generosity, and innovation. 3 things financial advisers should have front and centre. Disruption’s great but, but when it affects your bottom line that’s when it gets real.
Anyone who works in advice-based industries know that it’s all too easy to fall into the trap of simply providing ‘tips and tricks’ and aiming for the commission or invoice. Generosity applied is genuinely listening to others and providing guidance for them. That’s not selling, that’s not proving how smart I am – that’s being generous.
I’m keen to ‘break’ the model of how financial advice is delivered – our industry is so far disconnected to the people who could benefit the most it’s ridiculous. Technology aims to become more human, and humans aim to become more digital – It’s odd. Wouldn’t it be awesome if there was a truly ‘customer-centered’ financial advice model that provided the trust that only a person can deliver with the consistency that only tech can deliver?"
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"An offset mortgage setup can reduce the amount of interest you pay on your mortgage. Typically, interest is payable on the full amount of a loan. But by linking your loan to any savings or everyday accounts you already have, you pay interest on that much less. For example, someone with a $400,000 mortgage and $20,000 in savings would only pay interest on $380,000. Subtract the savings from the total loan amount, and you only pay interest on what’s left. The more cash you keep across your accounts from day to day, the more you’ll save, because interest is calculated daily. Linking as many accounts as possible – whether from a partner, parents, or other family members – means even less interest to pay. Advantage:
You pay less in interest and pay off your mortgage faster. Typically there is no fixed term.
Disadvantage:
The linked savings accounts do not earn any interest when they offset a loan. That said, interest on debt is typically higher than the interest you would earn on savings, which makes the offset worthwhile." Source:
https://sorted.org.nz/guides/home-buying/mortgage-types/
"Table loan This is the most common type of home loan. You can choose a term up to 30 years with most lenders. Most of the early repayments pay off the interest, while most of the later payments pay off the principal (the initial amount you borrowed).
You can take a table loan with a fixed rate of interest or a floating rate.
Application fees for table loans range from nothing to over $1,000. Most lenders charge around $200 to $400. This is often negotiable.
Advantages:
- Table loans provide the discipline of regular payments and a set date when they will be paid off.
- They offer the certainty of knowing what your payments will be, unless you have a floating rate, in which case repayment amounts can change.
Disadvantages:
- Fixed regular payments might be difficult for people with irregular income."
Source: https://sorted.org.nz/guides/home-buying/mortgage-types/
Jack Windler From Mortgage Supply Co: "A commitment to a mortgage is a long term proposition that can deliver so much to people as they look to create a home for themselves and their family. There is nothing more rewarding for me than going on that property journey with them."
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How can you show interest without seeming too interested?
If only investing in property was as easy as the questions posed in Women’s Weekly.
In this segment, I’m not trying to teach you the art of flirting, but, instead, unravelling the mechanisms behind the infamous interest only loan.
The concept's pretty simple, you borrow money but only pay the interest.
Where the complexity comes in, is when the term falls due, usually five years, you’re forced to come up with the money.
This really hit people hard during the Global Financial Crisis of 2007-2008 because coupled with a lending meltdown and a house price decline, people couldn’t come up with the money needed to service the debt.
How you would usually combat the approaching deadline is one of four ways:
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Extend the term of the mortgage.
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Refinance it with a competitor.
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Automatically default to a principal and interest loan.
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Cough up the money.
The appeal of this loan is you pay less now in the hope you can capitalise later.
Think of the average rental property investor with the usual costs of maintenance, rates, insurance, mortgage repayments and property management etc. Just imagine if you could pay less and make more? The risk with this approach is naturally if the you can’t service the debt with your rental income both now and when it converts to principal as well as interest, then you’re hoping like fuck house prices go up so you can at least leave with the shirt on your back.
This is one of those high-risk high reward moments where you really want to consider the best- and worst-case scenarios.
Simply point, can I pay it if needed and do you look like someone they’d want to keep paying it?
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As the great Shakespeare would say: to fix or not to fix that is the question. The challenge for any new homeowners or investors is deciding whether they should get a fixed or floating mortgage. What is the difference you ask? A fixed rate home loan is where the interest rate is set in stone for a period of time, usually six months to five years. The advantage of this approach is threefold: 1. Knowing what to expect with the repayments leading to peace of mind and strategic budgeting. 2. The lender is drowning in competition, so you manage a great deal. 3. You protect yourself against rising interest rates. The disadvantages come in the form of restrictions: 1. You can’t up the ante easily and can incur a cost from increasing the payments. 2. You might have locked in a high number before the interest rates dropped and now you’re stuck with it. 3. You sell your home or want a break but get invoiced a hefty break fee. Floating rates are the mover and shakers of the world. As the interest rates of the wider market increase or decrease then so does your interest rate. Usually this is movement is linked to the official cash rate(OCR) set by the Reserve Bank. The advantage comes in the form of flexibility and unity. 1. The flexibility to contribute more without penalty. 2. A streamline way of combining your more expensive debt with your floating loan The disadvantage is the price and the unknown: 1. Floating rates in the past have been higher than fixed rates. 2. If the rates were to increase, then so does your repayments. RIP. Don’t worry not all is lost you’re not doomed to a half full, or half empty scenario. You can choose to have both. If you were to mix the flexibility of the floating and the reliability of the fixed then you have a recipe for success. Where the importance of what direction you take isn’t leveraging of your ability to predict the future but instead understanding the style of loan that suits your situation best. Leave the fortune telling to the economists and the decisions your future financial wellbeing to you.
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The hidden costs of going cheap.
• Book a Free appointment with Ryan
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With skyrocketing house prices is it even possible to get the deposit for your first home?
Here are a few vehicles you might want to consider:
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First Home Grant
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First Home Loan
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KiwiBuild
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"Your answer — late last year — to the couple who were considering the impact of both having KiwiSavers with ANZ is a little misleading.
I would agree that they don’t need to consider “diversifying” across banks. However, the fact that the Reserve Bank has recently taken “further steps to strengthen (banks’) finances”, as you said, isn’t relevant here.
All KiwiSaver assets are held in separate custodial accounts (audited) where the assets are ring-fenced away from the custodial business. If ANZ, the bank, or even ANZ Investments, the manager, failed, they would have no recourse over those assets, and the supervisor would have the right to reappoint a different manager.
The reason I say this is there is a large percentage of the public who still believe that their assets can be “lost” by the manager. We should be educating them otherwise."
Source: February 8, 2020, NZ Herald Q&A Column.
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Andrew Malcolm the Managing Director of Mortgage HQ: "When Blandon and I started in business together, we shared the same frustrations but found we were each approaching things differently. I was helping advisers with their marketing and strategy but finding that clients were not properly looked after along the way. Blandon was helping clients with insurance but found his true passion in property investing and ownership when he worked with families successfully building and creating equity through smart mortgage use. Each of us had branched out on our own and through chance encounter met at the right time to start working together. Since late 2015 we have been helping people save money on their mortgages and make smarter property investment decisions using case studies and learning from our clients and exhaustive research (which we love doing). I have had a poor experience with the bank and other brokers when I was looking at my own mortgage options many years ago… to me, it seemed so simple to just help clients figure out what they do not already know and streamline the process for them. I became frustrated with the lack of quality information available for kiwis in regards to mortgages and property. Initially, we focused on building powerful online mortgage and property tools to put power in the hands of everyday Kiwis. We quickly discovered that in addition to being able to help themselves people needed better experts to guide them through the process. We wanted to build a team of advisers that put clients first and refused to play the industry game of commission-only salespeople because those conditions can cloud your judgement. A structure of clients first and team second was forged. Our team is paid salaries. No one is pressured to force clients into higher commission products or lenders. We do not even refer a Kiwisaver provider for an extra clip of the ticket like many brokers do (we recommend the not-for-profit and low fee provider Simplicity). Blandon’s passion and knowledge are industry-leading and admirable which means we’re often inundated with enquiries. When hiring advisers for our team, it is stressed to them the importance of a client-helping culture and long term relationships. Our clients tell us that they appreciate us keeping in touch with them. Typically we make contact every 6-12 months to ensure customers are still receiving excellent service from their banks; their mortgages are still working for their current situation, to discuss investment strategy and to have a conversation. It is with great pride that mortgagehq now has over 150 five star ratings on Facebook (a small fraction of our clients) from people `who are so stoked with what we could achieve for them, and how we dealt with them as humans rather than as a task. I cannot promise perfection but I assure you that we know what we are doing and we will always put your needs above our own. If we don’t know… we will help you find someone who does. All team members use personal mobiles for communicating with clients – you can text, call, leave a VM and know they will get the message and be in touch. Please feel free to contact me on my personal mobile 021 424 027 or email me directly andrew@mhq.co.nz Check out our 50+ videos on YouTube here"
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Why did the government really start KiwiSaver?
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"Jordan is a trainer who focuses on building the fundamentals of your fitness first. Solid conditioning is the key to success and longevity. Becoming "Strong Fit and Stable" enables you to do the things you love with immense confidence both at work and at play, Jordan is dedicated to injury prevention and longevity. He will balance your body, attacking your fitness goals, and go the extra mile to support you and your needs throughout the journey. When Jordan's vibrant energy can't be found at the gym, you will likely find him rock climbing, dancing or playing his trusty harmonica." - https://www.lesmills.co.nz/PT/Meet-Our-Trainers/Jordan-Greville
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Rupert Carlyon The Founder Of Kōura Wealth: "Rupert has worked in financial service roles his entire career – starting at global investment bank UBS, where he had a slew of roles in London and Auckland. Returning to New Zealand in 2014, Rupert was disappointed to see the KiwiSaver market had not moved on since he left. Seven years on, New Zealanders were still being given the same stock-standard, three-fund offering and he could see that KiwiSaver was not really working for everyone. So he began to look internationally, at companies and technologies that were doing retirement investing right. kōura is the result - a way to give kiwis access to the technology and products to help them achieve their financial goals." Click to Book a Free Consultation with Ryan. If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Your Podcast and Audiobook Edited by NZ Audio Editors.
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Quick fire finance of the day: "I feel like I have always scrimped and been very careful with money — firstly when I was in my 20s as my boyfriend and I saved up to travel overseas as well as buy a house (it was easier back then), and then later when I was a single woman and buying a house on my own. I met my husband when we were both 40. It was stressful financially for me, as he was in debt and was paying child support, so we made no headway on our mortgage for years. Now, we are 55 and due to starting a successful business, we are in an excellent financial position (mortgage-free house plus two rentals that cover their expenses), but I still don’t feel relaxed about money and financial security. It’s like my emotions and feelings around money haven’t caught up with the new reality. I feel like I should be more generous with money now, but I just find it hard." Source: January 25, 2020, NZ Herald Q & A Column.
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Should I pay off my mortgage or invest in KiwiSaver?
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Everything's going well now but what happens when it isn't? Who gets what? Click to book your free consultation.
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Quick Fire Finance of the day: "We’re a couple nearing our 70s, have a mortgage-free house and most of our savings in our own independent KiwiSaver accounts. The thing is both accounts are with the same bank. I say this is an “eggs in one basket” scenario and one of us should change. My husband (and the bank’s financial adviser) says it’s all diversified anyway and we don’t need to. What do you think? It might help settle this running topic between us. We’re aged 64 (retired) and 67 (still working). We’d like to maximize our KiwiSaver returns over the next five years. Despite visiting our provider’s website and sorted.org.nz, I am a little confused as to which numbers to use in my decision making. Our current PRRs (personal rates of return) are 8.16 per cent (in AMP’s Conservative fund) and 8.5 per cent (half in the Conservative fund and half in the Moderate fund). They are for the year ending December 6 2019. AMP says the PRR “calculates your investment percentage return based on the opening balance, the cash flows (eg contributions, withdrawals etc) in the account and the closing balance for the period. The personal rate of return is before tax and net of fees.” Online, the KiwiSaver Fund Finder on sorted.org.nz tells me that the Conservative Fund return for the year ending September 2019 is 5.19 per cent, and for the Moderate Fund it’s 5.34 per cent. So my question is, should we change providers based on Sorted’s relatively low figure for our current provider, or should we consider our PRR as being reasonably good?" Source: DECEMBER 21, 2019 NZ HERALD Q&A COLUMN
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Couldn't I just sell my house and retire early? Am I missing something?
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Kate Ross - "An accomplished entrepreneur and innovator, I have achieved 20 years of successful leadership in the recruitment and talent management sector. I founded Kinetic in 1997, and was able to rapidly grow it into a thriving national business due to the provision of superior services to both clients and candidates. Kinetic has offices in Auckland, Tauranga, Wellington and Christchurch, and has been recognised with several ‘excellence in recruitment’ awards. Adept at innovating to meet market opportunities, I founded Swivel Careers in 2009 (originally called Whr24U) having recognised that student candidates at Kinetic were often lacking in career direction. I founded Wise Ones in 2017 in response to the under-utilisation of the growing number of older workers; Wise Ones is now enabling their experience and talent to be matched into suitable roles. Commercial success has been facilitated by developing high-performing teams within these businesses. I lead by example and live the core values of honesty, loyalty, directness, ethical practice and hard work. I am motivated by making a difference, and driven by the belief that everyone has the talent to take their place in the workforce, and in doing so, support their personal development as well as positively impact their families and communities. Described as an inspiring leader, blending ambition, resilience and compassion, I am particularly proud to have supported numerous women in their roles and careers. Having chaired the Friends Committee of King’s School, I subsequently served as a King’s School Board Member for five years until 2016. I am interested in governance opportunities and wish to bring my skills and strategic thinking to directorships in the private sector."
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Greg is the founding Director of Financial Planning NZ Ltd, now known as OnePlan, and he was responsible for the company's creation. After graduating as an Accountant in 1975, Greg was employed in a number of accountancy-related roles before joining the NZ Police in 1980. Whilst there, he studied law at Auckland University. He left the Police in 1984 to teach accounting at the University of Auckland and to complete his law degree. In 1986, Greg joined the Department of Justice as a senior investigating accountant in the corporate fraud unit. He joined IPD Securities in 1987 as a senior financial planner, and over the next five years he became that company's most successful adviser. In 1992, Greg was selected as financial planner of the year, and in the same year he left IPD Securities to carry out a long-cherished goal of establishing his own practice Greg taught accounting at the University of Auckland and Unitec from 1984 to 2012. He is a member of Financial Advice New Zealand and is both a Certified Financial Planner (CFP) and a Certified Life Underwriter (CLU). He has been an expert witness for both court and disciplinary matters relating to the giving of financial advice. He has always been, and continues to be, actively involved with a myriad of charity and community organisations and projects. He is a Past-President of the Rotary Club of Downtown Auckland (2004/2005), former Chair of the Western Bays Community Board (1989-91), and Past-President of the Mt Albert Grammar School Old Boys’ Association. He was a Trustee of the Leukaemia and Blood Cancer Society for 20 years and was a Director of Radio Lollipop for 10 years. He is currently on the Heart of the City Board of Trustees. Greg is still active in Rotary and was selected to lead the Rotary District 9920 GSE Team to Chile in 2009. He was an Assistant Governor of D9920 between 2012-2014 and has been Chair of the Mt Albert Grammar School Board of Trustees since 2006. He retired as a Major in the 3rd Auckland (Countess of Ranfurly’s own) and Northland Battalion of the NZ Army. During his 37 years’ service he has been awarded the Efficiency Decoration (ED) bar and clasp; and has deployed to the Solomon Islands (2005) and East Timor (2006), as well as an attachment with the British Army in 1983. Greg a founding Trustee and past Chair of the NZ Memorial Museum Trust - Le Quesnoy and is actively involved in the establishment of the Museum and Visitor Centre in the French town of Le Quesnoy, the scene of the last battle of WW1 involving the NZ Division. He was an Auckland City Councillor, representing the inner-city Western Bays Ward, and was Chairman of the Auckland City Arts, Culture and Recreation Committee prior to the amalgamation of the Auckland City Council. He is also a former member of and was Finance spokesperson for the Waitemata Local Board between 2010 and 2016. After many years in the financial planning industry, Greg still enjoys helping people to help themselves and is a firm believer in New Zealander's need to plan to ensure their future financial wellbeing. Greg believes he can provide this security to his clients by assisting them to adopt a sane, sound, sensible approach to the creation and protection of wealth.
Could nationalism affect your financial future?
It’s very natural for people to gravitate towards what they know instead venturing into the big wide world of the unknown.
Choosing to put all their money into the country they love.
New Zealand, as good as it is, will never provide the diversity you need to live the life you want on it's own.
You need to spread the risk internationally.
Don’t believe me?
Check out this report from Dimensional Funds: https://www.dimensional.com/us-en/insights/why-should-you-diversify
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Where we see the podcast going, our plans for the business and how we plan to revolutionise the financial space.
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Cryptocurrency and blockchain could very well be one of the most important inventions of our generation. The streamline efficient way of which it processes transactions is second to none. The transparency, smart contract capability, and platform is akin to the invention of the internet. This however isn’t telling the full story. From 2000 to 2003, every company with a dot com on the end of it was picked to ‘go to the moon.’ Prices skyrocketed, companies with no business even being open were flourishing and everyone felt they were ‘picking the next internet winner.’ The technology wasn’t in question, but the companies were. In this case the companies are now called ‘crypto.’ The technology is revolutionary but will crypto currency be the next Amazon or will there be another use for the innovative technology. This is what we do not know and if the 6.4 trillion dollars people lost during 2000-2003 tells us anything it’s that speculative investment decisions tend to hurt more than they help.
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Simplicity is the flavour of the month with it's low fees and high returns but is that telling the whole story?
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Have you ever wondered what it's like behind the scenes of New Zealand politics? Nows your chance.
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Quick Fire Finance Of The Day: "I am 48 and having recently divorced, I’m starting over. My husband and I owned no property together, so there were no assets to divide. I’m now starting from basically nothing and contemplating how to build a financial future. To that end, I am on my way to saving $50,000 within the next two years. I am also in KiwiSaver and have minimal personal debt. Should I use my savings plus my KiwiSaver (which I believe I can do as I’m starting over on my own) as a deposit on a house? Or is it better to forget that idea (I live in Auckland) and keep the money in KiwiSaver, and use the savings to grow a bit of wealth some other way? I’m aware that if I use my KiwiSaver (currently sitting at about $50,000) it’ll go back to zero and I’ll have to build it up again, which might not be smart at my age. On the other hand I am in stable, well-paid employment and I plan to keep working as long as I can — at least another 20 years. The idea of owning my own small house or apartment has a lot of appeal, but would it be the most sensible use of my hard-earned savings?"
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Is Kiwisaver even worth it in retirement or should I invest all my money in index funds?
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If I said you should run your business like a smartphone what would be your first thought? Do I mean you should scroll mindlessly on your screen, stuff your face with potato chips and question why you're still awake at 2am? No, the idea of the smartphone business model stems from the concept of apps or in other words, a collection of connections working cohesively for a common goal. A network of businesses and individuals that give you the freedom to focus on everything you're good at while outsourcing the rest. A concept inspired by our guest Ben Marris and his organisation NZ Leaders.
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This podcast went off the rails, viewers discretion be advised.
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Are you making a big mistake investing in ETFs?
Is it a bubble?
Will you lose all your money?
Join Jordan Greville and Ryan Melton as they unravel the mystery of Exchange Traded Funds.
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OnePlan's director of first impressions shares her experiences as a young woman in the middle east.
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Quick Fire Finance Question Of The Day:
"My husband and I are in our early 50s. Both our children have moved out so we’ve started thinking about planning for our future as we don’t want to be a burden to them. My mother recently passed away and left us an inheritance.
We still have a mortgage of about $100,000 and we inherited $400,000.
My parents have always said that we should get a rental property when we have the money but I’m worried about the new regulations coming through.
I’m wondering if you could go through the pros of cons of this and talk about the regulations that might make it challenging?"
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Quick Fire Finance Of The Day:
"Recent articles in the Herald advise taxpayers to ensure that they use their correct PIR rates for their investment funds such as KiwiSaver.
None of the articles address the situation though where investment funds are held in the name of joint account holders with differing PIR rates.
It appears that the IRD recognise that most systems only allow for the inclusion of one PIR rate for a portfolio. In my case my wife and I are joint account holders of managed funds. My PIR rate is 28 per cent while hers is 17.5 per cent.
Bearing in mind that the IRD do not provide refunds for taxpayers whose PIR rate is too high (which is an inequitable situation in itself), it is only natural that I would choose 17.5 per cent as the PIR rate for our managed funds.
This means that I will need to advise in my own tax return that 50 per cent of the value of taxable returns achieved by the managed funds have been undertaxed, requiring me to pay a lump sum on assessment, with possible late payment interest.
Do you agree that taxpayers should be made aware of this shortcoming and not feel pressured to increase their PIR rates on their investments unnecessarily?"
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Disclosure Statement available on request and is free of charge.
About Sarah Newton-Palmer: "I work as a life and career coach, and senior facilitator, in the field of life transitioning and leadership development. My own career has evolved through several iterations as I have learned and gradually grown into my own skin. I am driven by a love of ideas, like truth, beauty and integrity, living my own path, and constantly striving to achieve more than I thought I was capable of, not just for myself but to be an example for my family. So far it has been a colourful, often exciting and fulfilling journey with many peaks and troughs that have taught me courage, resilience and some wisdom. All this I also hope for my clients and I love seeing people have great personal insights, grow and achieve their own goals."
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If you had to swindle the tax payer out of their money how would you do it?
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It's not easy filtering through the noise. Many New Zealanders fall victim to their own greed or fear and miss out on a rewarding financial future. This episode is about our investment philosophy and how you can use it to do the things you want in life.
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If you've got an old insurance policy you might be luckier than you think.
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At somepoint shit is going to hit the fan so you can either live with your head in the sand or you can do something about it. This episode won't protect you from the hardships of life because no matter what you do it will still find it's way into your life. But what it will do is show you how to minimise the cost of failure and protect the ones you love.
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Dr Sven Hansen is the founder of The Resilience Institute. From a medical family, Sven travelled widely and completed two years in special forces before completing medicine. His passion for sport and flow took him into sports medicine where he discovered the power of deliberate, scientific training to secure both individual and team success. After an MBA in 1993, he asked how one could translate and take these ideas to a wider population. Business was the ideal partner. Not only could one reach large numbers of people through one buying centre, but we could also help businesses reduce risks and improve business performance. This set the scene to build an evidence-based, integral and practical solution to sustainable performance in business and life.
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We know about property and shares but is there an asset that trumps them all?
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Finding your why in life is one of the most challenging yet valuable things you can do or as Viktor E. Frankl would say:
"A man who becomes conscious of the responsibility he bears toward a human being who affectionately waits for him, or to an unfinished work, will never be able to throw away his life. He knows the "why" for his existence, and will be able to bear almost any "how".”
There are going to be moments in your life where you really struggle and if you don't have reason a to suffer you'll fall off the edge. So in this episode I share with you my tips for finding your 'why.'
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The government is coming after property investors but what about first home buyers?
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Quick Fire question of the day:
"I’m 56 years old and have worked in management for most of my life. I have some bad days but for the most part I like what I do. Now as I approach retirement, I’m starting to think I won’t have enough money to fund it and if I did what would I even do? I’m married, our kids are all grown up and I don’t really have any hobbies.
What do your clients usually do? I know I’m not alone because you called it ‘retreading’ not ‘retiring.’
Do you have process for helping people work out what they’ll do? And what should I be thinking about when planning for my retirement?"
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My ex-wife took me for everything I'm worth. How do I make sure it never happens again?
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Brent Norling Director of award winning legal firm Norling Law shares his personal journey and insights for helping bring New Zealand businesses back from the brink of extinction. A simplistic overview of very complex concepts relating to insolvency, restructuring, litigation and most importantly the hidden threat to every business owner trying to artificially stay afloat through the help of government subsidies.
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Quick Fire Finance of the Day:
"We are a couple in our late 70s and realize that our remaining years on this planet are becoming limited. We live in a freehold home.
We agree with your advice(Mary Holm) in The Herald recently to “stick with share-market ups and downs.” However, we consider that this strategy may be more applicable to younger and/or wealthy investors.
We have a “mixed” international share portfolio administered by a financial adviser. Current value is reduced to $260,000 following a recent market meltdown. We have experienced a roller coaster “ride” over many years with growth in some years, being discounted by loss in other years.
Given our age and limited resources, we would be grateful if you could advise if we should:
· Hang in and persevere until we are 80 or a longer time period, or
· Instruct our adviser to sell down the portfolio and thereafter invest the capital in a less risky and more secure option."
Source: NZ Herald 2nd Of February 2019
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Disclosure Statement available on request and is free of charge.
Quick Fire Finance of the day:
"How do you compare various unit funds?
I am retired and have several hundred thousand dollars which I’m considering placing in a conservative or balanced unit fund of the type run by most of the major brokers or banks.
I have asked for performance data from each of the funds, but it’s not easy to compare who is the best. Have you got any suggestions or the name of a website that does this comparison?
Also, the purchase price of the units varies, and I’m not sure whether the date at which you buy the units is sensitive to the market (like buying shares at the top of the market)?"
Source: NZ Herald 23 February 2019
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The United States Of America owe close to $30 trillion dollars and print money by the bucket loads. Will their economy survive? Will they even have an economy?
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You don't have to go very far to hear the countless horror stories of people being swindled out of their life savings. A fast talking con artist promising wealth and riches for all those foolish enough to take the chance. At least that's what we like to tell ourselves. The reality is no matter how much we like to believe we're free thinkers that, under the right circumstances and persuasion tactics, someone could very well have us doing things we never thought we would. Which is why in this episode I want to flip the script and share with you how a person like me might try to influence a person like you.
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What is it, where is it and how does it work?
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The CEO of Kernel Wealth, Dean Anderson, started his investment career in the rustling bustling world of the New Zealand Stock Exchange. An experience that shaped the creation and thought process behind what we know Kernel Wealth as today. An up-and-coming company on a mission to shake up the index investing world.
A few of the hot topics we covered were crypto currencies, gamestop, and why lower fees are not quite what they seem.
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"I’m self employed and make regular contributions to my KiwiSaver. My KiwiSaver has been losing money recently, which is fine, am in it for the long haul, etc. But I’m wondering whether I should continue to deposit into it when the market is down or wait until it picks up again?"
Source: NZ Herald 26th of January 2019
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Disclosure Statement available on request and is free of charge.
I’ve always wondered what’s the point of getting a real estate agent in when you can just do it yourself?
A common fallacy we all fall into as NZers is this concept of ‘Do It Youself.’ Don’t get me wrong, there are definitely people that are more than capable of doing it all themselves, but they’re the exception not the rule.
So, I thought why not invite one of the top agents from Barfoot and Thompson, Nathan Canton, to share exactly why you may be making a mistake.
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Does cheaper always mean better?
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"My Sharesies account has been getting a return of 20% every week for two months..."
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
PDF Version Of The Book
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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We are more connected now than any point in human history and yet we are even more divided. Whatever your political or social views, this is a must listen for any person curious about the impact of digital connectivity and the future of business as we know it today. Dr Lena Waizenegger is a true expert in her field with an episode you do not want to miss. Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
Find Out How We Can Help You
Get A Free Book and Subscription To Ryan's Weekly Newsletter
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Come To Our Next Business Strategy, Innovation & Leadership Event
For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
PDF Version Of The Book
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
- Find Ryan On Social Media
- Have Your Podcast and Audiobook Edited by NZ Audio Editors.
- Come To Our Next Business Strategy, Innovation & Leadership Event
For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
PDF Version Of The Book
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
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Are you looking to develop your skills as a leader? There is probably no business leadership skill more important than the ability to speak to an audience of any size. But without speaker training, it’s easy to get caught up in your own insecurities and fears and loose control of yourself, your words and your movements. You can’t hide this from an audience, all they see is someone who lacks confidence and competence ultimately leading to a lack of trust. If people can’t trust you, they won’t want to do business with you, it’s that simple. Unfortunately many leaders and executives aren’t great communicators, and it’s affecting their ability to lead. They fumble their way through meetings and presentations, and it leaves their team confused and uninspired. Michael Phillpot will help you to remove the clutter that gets in the way of a concise and coherent message, to ensure any audience large or small will easily understand and engage with you and your brand.
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
PDF Version Of The Book
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
- Find Ryan On Social Media
- Have Your Podcast and Audiobook Edited by NZ Audio Editors.
- Come To Our Next Business Strategy, Innovation & Leadership Event
For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
PDF Version Of The Book
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
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The most important thing for any business owner is managing cash flow and one of the hardest things while juggling all the facets of business is using the right debt vehicle to achieve the right outcome. In an ideal world you wouldn't need it but unfortunately that's not the world we live in. So before you make a mistake too costly to fix I implore you to listen to the insights of business loan expert Jemma Ross from spinach.co.nz.
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
PDF Version Of The Book
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
- Find Ryan On Social Media
- Have Your Podcast and Audiobook Edited by NZ Audio Editors.
- Come To Our Next Business Strategy, Innovation & Leadership Event
For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
PDF Version Of The Book
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
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Ever wondered what quantitative easing, the OCR and inflation have in common? Probably not but you should. These three concept could make or break your financial future. If you're using term deposits as your strategy to combat this you're in big trouble and here's why....
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
PDF Version Of The Book
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
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For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
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Anything significant I have ever achieved in my life has been through the guidance or support of someone else.
We’ve all heard the saying your network is your net worth but what are some tactical and tangible ways of utilising this essential resource? Listen as Grant Finer, Principal Connector of Business Strategy New Zealand, shares the skills he's learned from running one of the largest meetup groups in Auckland.
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
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- Have Your Podcast and Audiobook Edited by NZ Audio Editors.
- Come To Our Next Business Strategy, Innovation & Leadership Event
For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
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The day you start your business is the day you should plan your exit. Sounds a bit strange planning to quit before you even start, but, it's an essential idea to all those brave enough to dip their toes in the world of business. Structuring your business in such a way that it it operates with or without you and having process in place where your money works for you not you for it.
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
- Find Ryan On Social Media
- Have Your Podcast and Audiobook Edited by NZ Audio Editors.
- Come To Our Next Business Strategy, Innovation & Leadership Event
For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
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The biggest threat to the success of your business is a resistance to change. Sure it’s unpredictable, uncomfortable, and unbearable at times, but, if you stagnate in your rigid view and fight the technological advancements of the world then the resulting effect is undeniable, just look at Blockbuster and Kodak. Whether you believe in social media or not, the trend is happening with or without you. So, the question isn’t whether social media is right for you, but instead, how can you make it right for you? Stanley Henry knows the challenges of change all too well having scaled his one man band to a team of 24 in the midst of a global lockdown. Instead of wallowing in a sea of self pity he pivoted to a need and changed his business overnight. A story filled with laughs, honesty and resilience.
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Quick Fire Finance Of The Day:
"My two children (now 23 and 21) were incredibly lucky to inherit $100,000 each in 2012. We looked at Auckland investment property and felt things were so hot it might fall over at any minute. Boom crash wallop — and their money would be halved.
As we now know, I could have quadrupled it. It’s not too bad of course, they have the money which has sat untouched in term deposits ever since. But it could have been so, so much better.
Any advice that will make me feel less of an idiot will be warmly received. (They both have the usual $35,000 to $40,000 student loans)."
Source: NZ Herald 25th of August 2018
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Quick Fire Finance Of The Day:
"I recently inherited some money when my mother died. I am soon to turn 54 and am mortgage-free.
Is putting a bulk sum into Kiwisaver a good idea? My contributions have been intermittent as I am a contractor."
Source: 29th of September 2018 NZ Herald
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Time and time again we see family's financial wellbeing fall apart because of a poorly structured estate. If you've repartnered, have kids from a prior relationship or just want to upskill your understanding to help those around you, then this episode is for you.
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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"We are into our 70's and are wondering whether we should draw down on our kiwisaver, and if so what should we do with the money?"
Jordan quizzes Ryan this week on this very question on the latest episode of The NZ Guide to Financial Freedom.
Source: NZ Herald
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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So, "is $100,000 in Kiwisaver enough to retire with in New Zealand?" Listen in as we discuss the in's and the out's of this question on todays instalment of Quickfire Finance, NZ Guide to Financial Freedom. Source: NZ Herald
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Anti-Money Laundering (AML) compliance is steadily draining expertise from the pool of available resources with increased regulatory expectations seen as the biggest resourcing challenge in the years ahead. Shortages of trained staff and technology concerns have become widespread challenges across the industry. Daniel Rogers, founder of Avid AML, started his career in global transaction banking with global financial institutions and was responsible for managing relationships for multi-national clients and top tier corporate clients including both local and foreign Government entities. This has developed a strong understanding of AML and Counter Financing Of Terrorism (CFT) regulations and the impact these regulations have on day to day business operations. Acknowledging these impacts while ensuring the business is not exposed to the reputation and financial risks these threats pose is key. As Senior Implementation Manager at the ANZ International & Institutional Bank New Zealand he was responsible for establishing and executing the Implementation Project. This encompassed the commercialisation of ANZ Group Implementation methodologies and the embedding of ANZ Group Risk AML CFT policy into business practices designed to significantly improving ‘first line of defence’ AML CFT controls.
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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I'm almost 65, I have 140k in Kiwisaver and a 183k mortgage. Can I withdraw my Kiwisaver early to pay it off?
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Solo mum reaches out for guidance on future proofing her children's Kiwisavers.
If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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I'm really worried about this generation of Hatch and Sharsies investors as their behaviour is so similar to that of the stock market crash in 1987. The Crash by Liam Dann in the NZ Herald describes it well: “It all happened too quickly,” says Des Hunt, a longtime investor and founding member of the NZ Shareholders Association. “What surprised me and frightened me was that everybody thought that it was easy to make money, so they were buying shares on the assumption they’d go up automatically, with little research,” he says. “There was nothing behind the businesses in some cases. I think the banks, the brokers, everybody was pushing hard. They were just saying you can’t miss out.” “Through 1986, the share market became something of a national pastime,” says the article dated January 2, 1987. “Many average citizens flocked to the new off-course substitute TAB in the hope of catching profits before they were gone,” the article noted somewhat prophetically. By February 1987, the New Zealand Stock Exchange estimated that between 12 and 15 per cent of the population were share investors, ahead of Australia with 8 per cent. Professional director Linda Robertson had just returned from her OE in 1987 and was working in a currency dealing room at the time of the crash. “I recall coming back and everyone was talking about shares. ” “Everyone was abuzz with share trading, there were share clubs. That was all very new.” In the dealing room, she recalls the crash being triggered by news coming out of New York. For Rob Cameron — one of the architects of the current regulatory system, including our Financial Markets Authority — there is no question. “Look, the one thing I can tell you with confidence is there will be another financial crisis. It is in the nature of humans.” “We are our biases — probably a lot of them evolutionary — and they will lead to periods where we become overly optimistic about asset prices, and we’ll find ways which no-one’s ever thought of yet to come up with financial innovations that fuel it.” It’s something to consider as the nine-year bull market, both here and on Wall Street, rolls on to new record heights."
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Quick Fire Finance Of The Day:
"After retiring last year, in June this year I moved all of my savings into ASB KiwiSaver. I chose a balanced fund to mitigate risks. I have now lost a considerable sum of money. I put in $666,430, and it’s now $641,136. I’ve made no further contributions or withdrawals.
I fear that I will never recoup this loss and I may continue to see my savings disappear.
I searched for a cause for such massive losses and found an article stating that ASB KiwiSaver invested in CBL insurance, and that this has led to large losses across their KiwiSaver accounts.
I know KiwiSaver has its ups and downs, but the loss I have experienced is more than a blip. Should I get my money out ASAP, as just having it under the mattress would have been better at keeping up with inflation than putting my savings into this KiwiSaver.
I am not in urgent need of the money right now but I have worked and saved — a seemingly stupid choice — in order to provide for my retirement.
I am feeling a bit scared. I probably found out too late about the CBL issue but I don’t suppose I would have understood what it meant, hindsight is always a torture. Just wondering if you had any advice re going forward."
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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The challenge we often face in planning for our retirement, is knowing the difference between good and bad advice. In this case, NZ's favourite financial journalist Mary Holm had a slip up that could have cost a person their financial livelihood and it went like this:
Question: "I have $200,000 to invest for my retirement. I am 70. Should I look at a fund or should I just buy a spread of shares myself?"
Mary Holm's Answer:
"You’ve got enough money to buy a wide range of shares, so you could do it yourself. Here’s how I suggest you go about it:
· Make sure you buy in many different industries, as there’s no good way to predict which shares will perform better. Just because a company or industry has a promising future, that doesn’t mean its shares are good buys, as they might already be highly priced.
· Don’t buy and sell. Even the professionals get that wrong often. Be like Warren Buffett and buy for the long term.
Buying shares directly is a bit more hassle than investing in a fund or two — as suggested to the previous reader. But your costs will probably be lower than paying fees on the funds.
In the end, it probably comes down to whether direct investing appeals to you."
Source: NZ Herald 15 September 2018
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Jason Greenwood (Founder - Greenwood Consulting) has contributed to the success of some of the biggest players in eCommerce and digital retail for 20+ years. Covid has thrown a huge spotlight on the digital capabilities and cracks in businesses, large and small. Many have realised they simply are not prepared for digital commerce as their primary go to market model. Greenwood consulting helps well funded startups and mid-size+ businesses address these issues and supports them as they seize this opportunity to re-imagine themselves from the ground up for the digital age Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
Find Out How We Can Help You
Get A Free Book and Subscription To Ryan's Weekly Newsletter
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Quick Fire Finance of the day:
"I am 68, semi-retired with an income of $40,000 from part-time work plus my NZ Super and $500 per week from an apartment I own mortgage-free.
I have $250,000 in term deposits and would like to use this to bring in some sort of income for when my part-time job ends. Clearly term deposits are not going to do that for me.
My options seem to be:
· Invest the money in some sort of fund that will give me a reasonable return to add to my pension and rent income.
· As I have a mortgage-free home in a popular beach village, I could spend $200,000-plus (architect and builder’s estimate) and add a self-contained studio underneath my house, which I know I can rent out on Airbnb or similar.
That would potentially give me a capital gain over the next few years, as well as providing (at worst case scenario) about $1000 a month income.
I have been looking at property to purchase, but anything I bought would require a mortgage, which clearly I can’t really service and negates the fact that actually I need something to bring in some extra cash."
Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Quick Fire Finance of the day:
"I am (finally) debt-free in my mid 50s and own my Auckland home, but I have very little saved for retirement. If I sold and moved pretty much anywhere else in New Zealand I could retire tomorrow. But I don’t want to move!
Rather than close down my mortgage against my home I’ve kept it in place, with a revolving credit mortgage (approximately 20 per cent of the value of the house) available to me at standard mortgage rates.
What are your thoughts on drawing on this existing facility if I decide to stop working? It feels like the reverse equity option, but without all the legal stuff. Or am missing something? Would love to hear your thoughts."
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Every New Zealander has the opportunity to make an impact. To share a concept that influences the masses. Point and click. A skill born and nurtured from two concepts: math and art. The mathematics of what converts and the inspiration of a well executed creative. We all have the opportunity but very few have the ability. That's why we are very fortunate to have video guru John Maybury break down the key styles to convert, inspire, and retain potential buyers into becoming a long term clients.
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Quick Fire Finance of the day:
"Having now reached 65 and receiving superannuation payments whilst still employed, I’m seeking confirmation that the government’s annual KiwiSaver contribution of $521 ceases from my 65th birthday.
Is there any point in continuing my minimum payment of $1043 to get the tax credit? Is there pro-rated payment from July 1 till the time you celebrate your birthday?
Would be most grateful if you are able to clarify the situation."
Source: NZ Herald 27th Of October 2018
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You can bail me up about this because it's incredibly bias. What I say to counter that is many listeners don't even know what a financial planner is or if it's worthwhile even talking to one. So I thought I'd take this moment to explain the different types and what to look for.
Also, if you want your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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I first came across Ed and the team at Opes when searching for ways to upskill in the property space because the first word anyone seems to learn in this country is p p p p rroooperty. I needed a quick and engaging way to learn the ways of the P. So I looked around but good lord there is a lot of boring shit and poorly constructed sales pitches. They were the exception. Andrew Nicol and Ed McKnight from the Property Academy Podcast seem to get it.
Good value in short chunks shared every day.
Check it out.
For those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Quick Fire Of The Day:
"I understand that the $521 annual government contribution is worth it. But if that’s the maximum from the government for self-employed, how could they end up with $150,000 from their $100,000 of contributions?
Wouldn’t it take almost 100 years contributing to get that $50,000 from the government at $521 a year. And who’s going to work for that long? Or am I missing something here? Can you please explain?"
Source: NZ Herald 12 September 2020
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Quick Fire Finance Of The Day:
"Are withdrawals from your KiwiSaver taxable, and added to your NZ Super as income, increasing your tax rate?"
Source: NZ Herald 12 September 2020
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Would you pursue something that had a mere 30% success rate?
Better yet, would you try learn a completely new skill from scratch without a coach?
If you answered yes to both then you’re potentially like me and have a chip on your shoulder so take the hard route just to prove a point.
That would be a mistake.
If there’s one thing I’ve learned in life, it’s that you don’t know what you don’t know, so you better find someone in the know so you can start knowing things quicker.
Apart from a poorly written rhyme it has some sense to it. You wouldn’t become an NBA player without ever having a coach so why then with business having such a high failure rate have you not considered getting a business coach?
In this week’s episode we’re very fortunate to have the accomplished and charming Leadership Coach Debra Chantry-Taylor from Business Traction. Who will share her honest journey to becoming what she is today as well as imparting the knowledge she’s accumulated from helping entrepreneurs live a more fulfilling and rewarding life.
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Quick Fire Finance of The Day:
"I invested $5,000 in a crowd-funded start-up company in 2016 with the knowledge that I could well lose the money but also with high hopes that it would pay off. The company has gone into liquidation with no acknowledgement or notice to investors (apart from the obligatory Gazette notice — who reads those on a daily basis?). I learned of the company failure via a NZ Herald news article.
I have submitted an (unsecured) creditor’s claim form but received no acknowledgement or update from the liquidator who, in this case, has a conviction for tax fraud, according to the Herald article.
After returning my Creditor’s Claim Form I heard nothing, and so after a time I emailed both the company founder (who was extremely friendly and open with communication both by phone and email when he wanted money), and the liquidator. I did not even get the courtesy of a reply.
I have since learnt that the directors of a failed company can choose the liquidator, and almost anyone can be appointed, and that the liquidator does not even need to be a professional. With no transparency and no requirement to keep investors informed, I see this area as urgently needing a review and new laws put in place.
To be “courted” as an investor in a second funding round (at a time when it now appears the company was already struggling), and then left completely in the dark as to what has happened is unacceptable and open to fraud.
Further, when it is a small uncomplicated company, probably with no assets, why is a liquidator appointed at all? If any money was available for investors it would certainly be used to first pay the liquidator’s fees. Why isn’t an accountant able to wind up an uncomplicated company, which might result in at least some money being available for investors?"
Source: NZ Herald 27th of October 2018
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Quick Fire Of The Day:
"My husband and I would like some direction on what to look for when investing $12,000 in the NZ share market. Our objective is to sit on the shares and hopefully maximise returns by the time we retire in 15 years, either through share price growth or dividends.
The problem is most advice on “growth” shares has a one to three-year horizon, not our longer term — which I understand is the ideal 10-plus years to ride out the highs and lows.
We have a well-diversified portfolio of ten NZX companies, across industries, with about $5000 in each, so ideally would be looking at another two companies. Thanks in advance for your help."
Source: NZ Herald 27 October 2018
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There’s an emerging concept you need to know and it’s this idea of becoming a ‘thought leader.’ We all know a person we respect and admire for their knowledge in a chosen discipline. The challenging hurdle we must overcome is what aspect of our experience and understanding could we be a leader in? Are we allowed to see ourselves as a thought leader? How much experience do you need before people will actually listen to you? Luckily these days with the ability to reach an audience at scale, with next to no costs, all you need is the ability to create and distribute content that not only shows your breath of understanding, but, gives you the ability to authentically interact with a community that will both incentivise and encourage you to be better than what you are today. A story that begins with Verity Craft, General Manager and Smooth Operator of Intelligent Ink. She will share with you her tools and strategies for becoming a thought leader in any industry. Gone are the days where you need a college degree and 20 years of experience in a mind thumbing corporate. What truly matters is substance and connection. You don’t need to be the Einstein of relativity you just need to be relatively useful to the people you can help.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Quick Fire Finance Of The Day:
"When our elder son was born in 1988 we were living in the UK and started a £30 per month investment into a unit trust. It was a moderate-risk UK smaller companies fund. It has been a good but not top flight performer.
We maintained contributions until early 2015, so have invested under £10,000. The current value, despite Covid is £60,700.
I don’t have the Excel skills to work out the average annual rate of return, but it is certainly single figures. Income was reinvested.
UK unit trusts have lower charges than most NZ funds, but recent downward pressure by some KiwiSaver providers is improving things for the investor here."
Source NZ Herald 26 September 2020
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Quick Fire Finance Of The Day:
"Is the following a scam? Since getting it and filling out a form, they have been phoning me day and night. Please reply in your column or by e-mail, I’m not answering my phone for that reason.
”AMAZON SHARES INVESTMENT
“Register now for free and discover how to profit with Amazon’s shares. Free 1-on-1 Training on How to Start Investing in AMAZON shares!.FIND OUT HOW TO GENERATE INCOME WITH AMAZON.”
Source NZ Herald 26 September 2020
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Leadership isn’t a title that can be given it’s a perception that must be earned. A narrative all too common in any organisation where the wrong person is given the right job. A metaphoric dead branch that on the surface is contributing to the efficiency of the office but internally is slowly rotting the culture from the inside out. An issue only rectified by hiring the right person for the right job. Yeah ok…but how? It starts by listening to the insights of our guest, Peter Stewart, the Managing Director of Lynx Recruitment and his ‘Seven-Step Recruitment Process.’ A formula for hiring and retaining exceptional people that he utilised in the building of an award-winning recruitment agency. An ever-evolving story that if implemented correctly will have your good company doing great things. A concept and process executed not only through the retention of great staff but through your ability to inspire, cultivate and encourage them to be the best versions of themselves. A culture that begins with you and ends with a better bottom line.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Quick Fire Finance Of The Day:
"I am 72 years of age and have a KiwiSaver account that I took out about four years ago and contributed to for a few years and then ignored. It’s been inactive ever since. I think it I opted for the aggressive growth fund if there’s such a thing?
I have nearly $1 million sitting in a bank at some ridiculous interest rate — maybe 1 per cent or something.
Basically I am financially lazy and irresponsible. This Covid 19 situation and all the “speak” about security of investments, falling interest rates, stock market free-fall etc has awakened a modicum of interest in what to do with my million.
I received an on-line report from my KiwiSaver provider a while back and note there was a rapid rise after a two- or three-month fall.
So — after that long-winded introduction — my questions are:
· Can I drop say $700,000 or $800,000 into my KiwiSaver account?
· If I did so, can I withdraw some, or all of it, whenever I like together with whatever increases it has generated (or decreases of course)?"
Source: NZ Herald 8th of August 2020
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Quick Fire Question of the day: will a trust protect me against the government?
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We all know that glum person at work who shuts down any good idea and gossips behind your back or that overbearing boss with unrealistic expectations and no sense of what it takes to get the job done. Whoever or whatever archetype of person you meet has the ability to make or break the culture of any business. So, if you're wanting a mental mind map and formula for connecting with nearly every type of person then this episode is worth a listen. Our guest Allison Mooney is a professional people interpreter and world renowned speaker. Whose combination of wit, humour and experience will have you quietly chuckling and learning all in the same breath.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Quick Fire Question Of The Day:
"I’ve been thinking about dollar cost averaging in relation to mortgage rates.
I wonder if one split their mortgage into say four chunks, each coming up for renegotiation every six months, would they then be guaranteed to beat the averages?"
Source: NZ Herald 29th of August 2020
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Quick Fire Question Of The Day:
"I have approximately $1.5 million in the bank.
I have had nothing but trouble and worry with money throughout my life. I invested in mortgages with lawyers, who stole one million dollars from me. I had money invested in Equiticorp in debentures, and I lost that money because Hawkins went bankrupt.
I was then ripped off by another lawyer, who I loaned money to. I even lost interest for about eight years with a bank who would not return this money in Australia. I loaned money to a real estate agent, who I had to litigate with for years to get a pittance back.
So, with the ridiculously low interest rates for bank term deposits now, can you please advise me as to what to do? I am 73 years of age.
If I went to KiwiSaver or a managed fund, I am told that the fees that they charge outweigh the returns. And financial planners cannot be trusted as they have a vested interest in the companies they recommend.
If you buy an investment house, and put it in the hands of a real estate agent to look after it, I have heard that the property can be trashed, and $3, 500 rent in arrears cannot be collected.
I do not want the stress and the hard work of collecting the rent myself, so I guess that I would have to put it into the hands of a real estate agent, because I would not be in the country.
So, my question is where can you put the money in other than the bank?"
Source: NZ Herald 22 August 2020
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Business can be a very lonely endeavour where the difference between success and failure is a willingness to be better than what you were yesterday. To work on your business not just in it. To work smarter not just harder. This is why I asked Murray Phillips the Director of Insight CA to come back and share a more in-depth explanation of what’s needed to run an effective company.
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Quick Fire Question Of The Day:
"I am 40 this year, a single mum with young kids and have been bad with money until three years ago.
Since then, I have invested in KiwiSaver and in two ETFs (exchange traded funds), one international and the other local. With a frugal lifestyle for the last three years and these investments I have managed to save about 5 per cent for a $750,000 house.
I am based in Auckland and unlikely to move as my current employment pays me well. I rent a small place to save, but as my kids grow up I am thinking of a bigger place.
With my current age, I feel less confident in securing a house while saving for my retirement and my children’s future. Should I still try to save for a house, or should I just find a bigger place to rent and save for retirement and my kids’ education?"
Source: NZ Herald 29 August 2020
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Quick fire question of the day: "My husband and I are in our late 60s and we have the bulk of our savings, over $500,000 each, in a moderate KiwiSaver account with the same bank. Is it crazy for us to use the same provider, putting all our eggs in one basket? What do you think?" Question Source: NZ Herald 29 August 2020. Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or connect with me at:
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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We act as though we'll live forever but what if we don't? It's a sad truth that no-one wants to talk about but everyone needs to. In this case we hear the story of a young New Zealander dealing with the aftermath of a terminal prognosis. A story that hits close to home for Greg Moyle as he nursed his late wife throughout her final seven years of life.
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Naturally, we're going to be a bit bias on this issue given our background, but the idea stems from a study completed by the largest passively managed fund in the world, Van Guard, that found advisers add 3% to a fund's performance. There are definitely people that are better off doing it themselves but this episode is for those on the verge of making an irreversible mistake with their money or who just want to live the life they want without having to get nose deep in the world of finance.
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The quick fire finance question of the day:
"My latest KiwiSaver statement projected a balance of $253,000 when I’ll turn 65 in 14 years, allowing about $200 per week.
I thought that sounded positive, until I went to ANZ’s KiwiSaver calculator, which said that for a comfortable life I would need about $1.65 million, or $1,190 per week (cash, after housing) — about twice what I can expect from combined KiwiSaver and NZ Super.
A back of the envelope calculation shows that this weekly cash is much higher than what one gets from NZ’s median income. Is it reasonable to assume that we need so much more money in retirement than during working life? How can the average person save so much?"
Source: NZ Herald 25 July 2020
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There are very few moments in life where you meet someone that practices what the preach. That purely through the action of existing they have the power to influence those around them. Our guest for this week’s podcast, Andrew Hoggard, is one such individual. Whether it be selling a 200k product that he knew nothing about, changing the lives of suicidal teens, or impacting corporations to sell from the heart, Andrew has left a trail of influence everywhere he’s went. So, any of you wanting to learn how to ethnically influence and inspire others, then this is the podcast for you. Check out his two books: 1. Business from the Heart 2. Belief - The Great Exchange and his website www.andrewhoggard.com to know more.
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Question answered in today's Quick Fire Finance episode:
"I read with interest the correspondence on “how much is enough” to retire on. It seems some people expect to live in a way that exceeds most of us during our working lives!
A major key is home ownership of course. Without that or a comfortable motor home perhaps, all bets are off.
At 85, with a debt-free house and by myself in Auckland, I find that NZ Super covers my everyday costs including rates and car, with a very small other income to handle any extras — but that’s often added to a modest nest egg.
Until my wife and best friend died we largely roamed the world for about 16 years. Yes, this cost a lot, but worth every penny, and when better to do so than when we could.
Now I know I can live comfortably and securely if not extravagantly on little more than Super."
Source: NZ Herald 1 August 2020
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Very few people want to hear about finance but everyone should because if we collectively upskill as a nation, then all our lives could be considerably better. With that in mind, it’s with great pleasure that I introduce to you the first episode of Quick-Fire Finance. A series where we share as much value as we can muster in the shortest amount of time. With the first question of the series:
“Being recently retired, with savings invested in a family trust, we’re concerned whether new trust laws coming in next year mean we will have to tell family members what they will inherit when we die.
Everyone isn’t getting the same (or even aware they’re getting nothing or anything in some cases) and we’re worried the new disclosure requirements will affect our relationships with family and friends.
If we have to tell them everything now and provide investment reports, we’re very tempted to leave everything to charity — which would be less stressful but not really what we want to do.
Can you help explain please? We’ve saved very hard during our working lives”
Source: NZ Herald 1 August 2020
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People are in a perpetual zombie like state. Pushed through the factory of security and safety. Assembled in the lobby of forgotten dreams. How long will you wait for that 'perfect moment' to live a life worth living not just enduring? I must admit this podcast went to the dogs when we got caught up in a fit of laughter but it just rammed home the distinction between thriving and surviving. Our guest Grant Wyatt the Human Resources Director for one of the largest FMCG companies in the world shares his life journey and strategy for inspiring a disengaged work force.
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What drives a man to acquire the country's largest private collection of military art? Many of our long standing listeners will know our very own, Greg Moyle, is a retired Major. His experience in basic training and stint in East Timor for the United Nations had a profound effect on his values and perspectives. This combined with the positive influence of a NZ art teacher started his 40 year journey. Photo Source: National Collection of War Art, Archives New Zealand Reference: AAAC 898 NCWA 309 Artist: Peter McIntyre.
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Will our children live in a world you're proud of? Will you look back with admiration knowing you helped shape their present? It's a hard pill to swallow knowing the doors to a better future could be closing in. That if we don't do something now, it could be too late. This idea stems from a businessman's mindset and a Father's love. That businessman and our guest, Colart Miles, has a far from ordinary story that will have you on the edge of your seat. So join us as we discuss life in a war torn country, the 4Ps for a better future, bullet journaling, the business collective and strategic agility. You can find Colart at Collectively.nz or complete his free self assessment tool at surge.coach/BAR
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Behavioural finance is one of the most neglected and misunderstood aspects of investing. Many chase wealth and returns with no real comprehension of the underlying drivers that lead some to success and many to failure. It's about time we talk about it.
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Employment Law specialist of Lowndes Jordan and all round good bloke, Duncan Coats, sharing why the wage subsidy isn't all sunshine and rainbows. That if you aren't ticking the right boxes you could face the scrutiny of a government induced audit, but, more importantly, what you should be doing ahead of time to make sure your heads not on the chopping block.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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These days climbing the property ladder feels closer to falling. Increasing tax obligations, no negative gearing, more rights for tenants, and worst of all leaky homes. If you’re using rental property as your avenue for achieving financial freedom you need to go in with your eyes open or at the very least get Greg Moyle’s ‘property for the now’ prescription from this week’s episode. Also, if you’re wanting to increase your financial understanding in a way that won’t put you to sleep then our free NZ Guide To Financial Freedom Toolkit is here to help.
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The biggest threat to the success of your business is a resistance to change. Sure it’s unpredictable, uncomfortable, and unbearable at times, but, if you stagnate in your rigid view and fight the technological advancements of the world then the resulting effect is undeniable, just look at Blockbuster.
Whether you believe in social media or not, the trend is happening with or without you. So, the question isn’t whether social media is right for you, but instead, how can you make it right for you?
A good first step would be to listen to this podcast episode with Chelsey Ritson the Founder of Social Media Coaching.
Chelsey you’ll be surprised to hear, isn’t going to drag you through a long-winded pitch intended to convince you to have her do your social media marketing, but, instead give you the tangible skills you need to be successful at it yourself. A philosophy of digital marketing best summed up by the proverb: “give a man a fish and you’ll feed him for a day, teach a man to fish and you’ll feed him for a lifetime.”
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“Without tradition, art is a flock of sheep without a shepherd. Without innovation, it is a corpse.”- Winston Churchill. Behind every great hardship is an opportunity. An opportunity to be better than you were yesterday. A motivation to be more than you are today and the focus to execute on a greater tomorrow. An execution that starts with a strategy. A strategy brought to us by none other than this week's podcast guest Anthony McMahon. An experienced IT Professional who uses factual stories to influence how companies approach their technology. Anthony has successfully led transformation activities for embedded technology teams, and now runs his own consultancy practice, The IT Psychiatrist, where his focus is building practical approaches to technology planning. He is a firm believer that risk is at the core of all change, that it’s possible to have both positive and negative risk, and is necessary to make transformation relevant to your employees if you want them to adopt the right culture.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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An insider could halve the value of your property and steal your children's inheritance. Every morning you're looking into the eyes of someone you love as they quietly scheme your future down fall. What can you do? What shouldn't you do? And why you should do it regardless. NZ Guide To Financial Freedom Tool Kit: Free Financial Freedom Book, Free Financial Freedom Masterclass, Free Auckland Business Strategy, Innovation and Leadership Event.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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The story of Daniel Leviathan is far from a straightline. Starting off as a 12 year old who didn't know how to read or write, he later got a job selling ice cream at 17, and worked his way up to the head of strategy of a multi-million dollar business with 400 employees. At the ripe age of 21, he was leading the Innovation & Artificial Intelligence department in the Israeli intelligence Corps. He was named by Forbes magazine as one of the 30 most influential people in Israel under the age of 30. At the top of his career, while consulting to companies & startups and almost raising funds for his own company, Daniel left everything and disappeared, embarking on a journey into the unknown. Every day, every experience revealed the next. A foreign concept for a man who planned and strategised for a living. He visited different cultures in 12 countries, living alone in solitude on a desert Island in Finland for a month, studying for 10 months in a mystery school in New Zealand. Through Shamanism, Zen Buddhism, Tantra, Taoism, and different esoteric traditions, Daniel was exploring what lies deeper than success, and even deeper than happiness. What are the secrets ingredients to live as fully free and alive beings, moving through the unknown mystery of our constantly and rapidly changing lives with creativity and curiosity, and manifesting art as a way of being.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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If you had the opportunity to develop the knowledge you need to protect and grow your wealth would you take it? You'll see in this episode how much we love to help so if you have a burning question you'd like answered, send it through to ryan@oneplan.co.nz and we'll make sure to include it.
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A holy trinity that incorporates letters from the Prime Minister, concerts for the elderly and a strong desire not to be in the circus. Geoffrey Hughes, the director of www.hughesjuddaccounting.co.nz, has lived a life of extraordinary variation but his fundamentals for running a successful business have always remained the same. Join us as we uncover the holy trinity of what makes a company great.
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If the world descended into chaos today would you have the capacity and understanding to survive on your own? Despite my mother's best endeavours I probably wouldn't. Instead of a green thumb I have a I don't want to do it thumb but many kids these days don't even have that, at least they didn't until Greg Moyle came along. So if you're curious on why a successful financial planner is selling avocados for a dollar to help kids then this week's podcast is for you.
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Nearly, half of all businesses fail in the first five years. Not the sort of odds you'd want to hear from your doctor. Yet many New Zealanders still blindly take their first step towards financial ruin without ever considering the possibility of a business plan. Murray Phillips, of www.insightca.nz and our first ever guest on the podcast, breaks down the fundamentals of what makes a good business great and the bottom line every owner needs to know before it's too late.
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Everyone for the most part knows what they need to do, but, very few do it. Why? What's stopping you and why do some fail while others prosper? Kurt Lewin, one of the founding fathers of organisational psychology, broke it down in his formula B = f(P, E); your behaviour is equal to your personal characteristics and the environment you're in. As much as we like to think we're wolves we're actually sheep so before your baaas turn into bad mistakes it's time you flock to a nicer tune by surrounding yourself with better people.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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Plan A is always a great idea until it isn't. It made sense, you did the numbers, you did the research; you had it all worked out. Then COVID hit, your home started leaking, your marriage dissolved and your car broke down. Life can throw curve balls so you need to have the right provisions and financial know how, to swing with it. Which is all very well if time is on your side, but, what if it isn't? What can you do?
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On some level we all feel the education system is due for a revamp. The challenge we face, despite being world leaders in classroom innovation, is the rigid structure and bureaucracy that comes with such a long-standing system. A place where good ideas go to die. In this episode we consider the process of going around instead of through by appealing to the masses instead of just trying to convince the few. We’re calling it Money Skills and the goal is to make sound sane sensible financial advice available to kiwi kids of all ages so their future isn’t predetermined by the environment of which they live, but, by their willingness to learn. What do you think should be included that isn't?
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After the cataclysmic effects of COVID-19 many businesses are now on the verge of collapse. A tail that didn't necessarily have to end that way. I'm not suggesting every business could find a way out but knowledge is power and if you don't know your books you're booking yourself in for an unexpected upheaval. Which is what this episode is about; keeping your books and Accounting for a better future. The sort of accounting that doesn't put you to sleep and your business will thank you for later.
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Historically property has been the go to strategy for any New Zealander hoping to accumulate wealth. Though, now with ever increasing regulation, that door of opportunity could be slowly closing in. Further to that there has been one strategy almost always doomed to fail; can you guess what it is?
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For far too long, the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.
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The goal of this podcast is to give you the financial tools to live the life you want. Your version of a good life might be completely different to mine, but, I'm willing to play my hand in the hope that it'll help unfold yours. So if you've ever wondered about the story of the man behind the mic then here's your opportunity. It aint exactly sparkling, but, I suspect it will be entertaining.
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There is an ever growing crisis in New Zealand where if the right steps aren't taken the majority of kiwis will be riding the edge of financial hardship in retirement. Simply put, will the NZ couple after tax pension of $32,000 a year be enough for you to live on or better yet can the government even fund it? I am not writing this to scare you or sell to you, but, instead to start the dialogue and to get you thinking.
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Client acquisition is a pain point all business owners love to hate. On some level, we all know how to do it but, over time, complacency creeps in, and laziness takes over to the point where our strategies are no longer the efficient vehicles they once were. This is where you dust yourself off and sharpen up your skills, because what we’re talking about is selling. No, not the greasy-haired, used-car salesman style of selling, but instead an approach built on trust, authenticity and long-term connections. We are not trying to reinvent the wheel, but instead, open your eyes to the idea that things have changed. Social media, for better or worse, has finely tuned a client’s BS radar to the point where the old style of ‘follow the pitch’ selling and memorised objection handles no longer work the way they once did. So the question becomes, what can you do about it and how do you do it? Join me as I unravel my experiences in commission-only selling for one of the world’s leaders in face-to-face marketing, where my hope is that you will pick up some tangible skills you can utilise in your business right away.
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They have gotten a bad rep over the years. Some of the stories you hear suggest this perception could be justified. An elderly person desperate for support and safety make the ideal prospect for a would be scammer but are they actually being ripped off or are people just moving in for the wrong reasons?
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In the last months of WWI, the New Zealand Expeditionary Forces spent 77 gruelling days in France. Leading the way for 49 of the 56 hard fought miles. Until they hit a wall. More specifically, the walls of Le Quesnoy. The walls of a town under German occupation. To ensure the least amount of damage to the town and potential loss of residents’ lives, our soldiers..
- Listen to find out what happened next.
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In life, no matter how lucky you feel or privileged your background, at some point, things will get ugly. So, the question becomes, what can you do to help?
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More and more large corporations are exiting from the financial advice world, here's why.
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There's a silver lining to the global tragedy and it comes in the form of natural selection. Survival of the financial fittest. Those of you who didn't put all your eggs in one basket, chase greed, buy into a get rich quick narrative and believed you could time the market will come out on top. Despite what news outlets want you to believe, fortune telling has no place in the making of sound, sane and sensible financial decisions. For the not so lucky, this podcast is your ray of hope. The hope of there being a better way to do it. A way of building wealth not losing it, and it start's today.
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Time and convenience are the two fundamentals of which all great products are based. Does it make your life better and will it get things done quicker? Just reflect on how awful your working life would be if your computer reverted back to dial up. Enough said. Time is money and money saves time. So the question becomes where will the next big technological advancement come from? My guess is voice and in this episode we'll explain why. Guests: Jordan Greville, Managing Director of NZ Audio Editors https://www.facebook.com/nzaudioeditors/ and Ryan J Melton.
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The short answer is nothing. When the hysteria bus takes over you’ll start developing this compelling urge to do something. Change your growth fund to a conservative or jump ship to another company not as badly impacted. Though it may have given you a sudden feeling of relief your finances won’t be thanking you. In my line of work we call this crystallising your loss. Lets say you made an amazing 20% return from 2019 to 2020 then the market drops by 20% so you freak out and sell your assets to change the fund. What is your return now? Despite what the latest journalist funded economist wants you to believe, it is nearly impossible to time the market, so in times like this, what matters isn’t the fluctuations in price, but instead, your risk tolerance, your time horizon for needing the money and making sure you don’t have all your eggs in one basket. By this I mean a diversified investment approach split across the four asset classes (cash, bonds, property and shares) which are the founding principles of why Kiwisaver exists and the very strategy we’ve adopted in our company for the last three decades. This pandemic may be new but the markets reactions are not.
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As you read this, the New Zealand Superannuation Fund (NZ Super) is currently costing the NZ Government close to $38 million a day, with the cost likely to increase to $117 million in the next twenty years. For many, this leaves the worrying question of whether there is going to be enough money to go around, particularly given that NZ Super is an inter-generational cost i.e children pay for their parents, and so on. Many New Zealanders believe that they have a right to superannuation in their twilight years after having paid income tax all their working lives; yet they are likely to be on the receiving end of less than desirable decisions from the Government around NZ Super as a result of historic inefficiencies in the spending of tax payers’ hard-earned money. The end result for New Zealanders is that the Government could very well push the qualifying age just that little bit further out of reach, or they could turn KiwiSaver into an annuity- like structure where payments are drip-fed as an income in retirement. It’s hard to be sure what action this and future governments might take, but it is clear that if you don't have an exit plan for your business then you're in trouble.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
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One of the first words any young New Zealander learns after 'mum' and 'dad’ is the word property. You’d think I was joking, but, for whatever reason, there’s this culturally ingrained need to generate our wealth through property. A strategy that has been successful for some and financially crippling for others. So it’s about time we start investing with our eyes open and calling it for what it is, a business. A business that is growing in complexity with every changing law and ramped up regulative measure. A complexity that can be conquered, but, first you must start with knowledge and what better place to learn than from someone who has been through it.
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What happens when you get two men in a room talking about women? At first thought, you may consider dusting off your picket sign and hitting the streets. On second thought, you'll realise the intention of this episode is to add value and pose the question; why are far less women investing than men? It's not an easy question to answer and you run the risk of over-generalising the plight of the individual. So as a means of navigating this moral tightrope we have chosen to unravel the answers to real life challenges facing New Zealand women today. Join Greg Moyle and Ryan J Melton as we go deep on this weeks podcast.
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Teenagers from the outside appear to be zombie like creatures that navigate somewhere between the words whatever, I can’t be bothered or inaudible grunting. It’s very easy to disengage from their plight. Often the disengaged nature of their adolescence is tied with the labels of laziness or a lack of discipline.
Though, as laid out in Professor Walker’s book why we sleep, it’s much closer to a harrowing case of chronic sleep deprivation where only a 11% of teenagers are actually getting the sleep they need. To which you may respond; well it’s because they stay up too bloody late. Sure smart phones do emit a light so strong that it’d even wake Hades from his slumber and they are spending too much time online, though, this lack of sleep isn’t necessarily a reflection of bad behaviour but instead a genetic problem as research suggests the ideal time for teenagers to wake is between 9am-10am with comprehension being the best between 10-11am.
So it begs to question, what else might we be doing wrong?
Just because we have always done something doesn’t necessarily make it the best or as Henry Ford, Founder of Ford Motor Company, would say: “If I had asked people what they wanted, they would have said faster horses.” And that’s what this week’s podcast is about. Changing the status quo by giving young New Zealand students the opportunity to improve their financial know how at school.
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Investing is a bit of a taboo subject. Which to me is completely bizarre because if implemented correctly, it can irreversible improve your life for the better.
Where I believe the perception comes from, is people don’t differentiate between speculating and investing. Speculating is trying to predict the future with your little magic crystal ball or even betting on a hope that one company will rise above the rest. Sure, you could win a lot, but, the odds are you may very well lose it all because if that supposed rock fails where will you end up?
Investing on the other hand, is when you diversify to the point where risk is no longer the threat of losing all your money, but, instead volatility, the level of ups and downs. So before you approach the cliff of financial hardship take a leap of faith and listen to this week’s podcast as we break down this difference.
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The inspiration for this week’s episode stems from a recent discussion with someone I met at a bar who started a business. The business took off, winning award after award, and even got to the initial stages of becoming a franchise. My friend worked incredibly hard to get it up and running but, this took a toll on his energy levels and his marriage started to suffer.
When you dedicate all your time to pursuing a goal it's easy to let other things fall through the cracks. In this case, my friend’s partner filed for divorce and his business soon crumbled to the extent that he now owes hundreds of thousands of dollars. The creditors came after anything they could get their hands on, and if his spouse wasn't kind hearted it could have been much worse. He is now at an age where the loss will never be recovered, so his existence is doomed to being forever funded by the government.
So now the question becomes: what steps could have been taken to prevent this scenario?
Sit down, lean back and listen as we unravel the different strategies needed to protect you against this potential disaster.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
- Find Ryan On Social Media
- Have Your Podcast and Audiobook Edited by NZ Audio Editors.
- Come To Our Next Business Strategy, Innovation & Leadership Event
A humorous series of ups and downs where we unravel the mechanisms for living a rewarding and fulfilling life. A journey where you will not only learn top investment tips, business skills, and the financial blueprint for achieving the lifestyle of your choice, but, also, hear an honest account of what it took to build one of largest independent advising firms in the country.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
- Find Ryan On Social Media
- Have Your Podcast and Audiobook Edited by NZ Audio Editors.
- Come To Our Next Business Strategy, Innovation & Leadership Event
A humorous series of ups and downs where we unravel the mechanisms for living a rewarding and fulfilling life. A journey where you will not only learn top investment tips, business skills, and the financial blueprint for achieving the lifestyle of your choice, but, also, hear an honest account of what it took to build one of largest independent advising firms in the country.
Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:
- Find Out How We Can Help You
- Get A Free Book and Subscription To Ryan's Weekly Newsletter
- Find Ryan On Social Media
- Have Your Podcast and Audiobook Edited by NZ Audio Editors.
- Come To Our Next Business Strategy, Innovation & Leadership Event