NZ Everyday Investor

News of the Money-World is a joint show between NZ Everyday Investor and koura KiwiSaver. None of this is financial advice, and remember these opinions don't necessarily contain a full load of truth. Please do your own research.Hey guess what - we're doing an event for all our lovely News of the Money-World audience. We'd love to meet you, feed you, share a drink and have a chat. We'll have 4 speakers, music, and some pretty cool prizes to give away too. It's all happening on the 24th of November.Numbers are pretty limited so if you can do it, BUY TICKETS NOW!FYI: Tickets aren't free, but it's all going to charity anyway. __________________Google tells us that Diarrhoea a condition in which faeces are discharged from the bowels frequently and in a liquid form.Monetary - Diarrhoea is what happens when the global banking system can't keep it in any longer. "a range of symptoms including diarrhoea and vomiting" Google reveals a nuance yet again. Diarrhoea begets more Diarrhoea. As the supply of money rises, the global financial system needs more new money just to keep it together, which in turn, requires more money creation to occur. If not assets, then something else.It's a bit weird how it all works to be honest. But it's probably nothing.Right now, just because interest rates are high and banks are slamming on the breaks. It doesn't mean the money printers been turned off. No no no. It's just facing another direction. War is expensive, re-building's expensive, getting off fossil fuels... phew!Is it possible interest rates will continue to rise and stay elevated for years? I wouldn't bet on it. Inevitably, asset values will once again be the sponge to soak up new currency creation. The largest ponzi-scheme of all time is far too big to fail. It's not over yet, the show must go on.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

There are different types of commercial property investment: Direct, syndicated, un-listed, listed, managed funds, and index funds. On top of that, you have various subsets within the commercial property sector, all with their unique set of pro's and con's to consider. For those who seek either the chance to influence value, or a great source of cashflow in retirement, commercial property should be considered.Note this episode is a re-edited version of episode 80, where I had Brandon Wilcox and Jack Revill on to discuss commercial property. Next week I have Carl Burling and Jack Revill on (again) to discuss 'what's next' for commercial property. Investing in un-listed funds of all sorts can be part of a valid investment portfolio. Just like any one of your components [be it property, individual shares, and even cash], you have to accept a set of known, and unknown risks in order to obtain the return you seek. The disclosure rules are a little less prescribed with un-listed companies though. This may increase the odds you haven't had an opportunity to perform due diligence (relative to say, shares in Air NZ for example). Provincia offers un-listed shares in a commercial property fund, and they're currently seeking funds. Please do your own due diligence and seek advice from an accountant, lawyer, or financial adviser, if you require sign-off for becoming an 'eligible' investor (as per the following rules).Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

koura KiwiSaver and NZ Everyday Investor present, News of the Money-World. Jack Revill, from Provincia property, an unlisted commercial property fund, joins us on this discussion to cover why commercial property is 'suffering' right now, and how this could be a good time to consider this asset class. You can find details around the latest offering for wholesale, eligible investors here: https://www.provincia.co.nz/investor-centre/latest-offer/Disclaimer: Provincia have paid a small fee to assist with the production costs of an upcoming episode.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

We're living in very UNSOUND times. Geo-politically, but also financially this is true right now. In order to build new wealth for the new world, we need to consider new containers for this wealth. Ethereum, and other Web-3 digital assets MAY provide an option for open-minded everyday investor. There are 3 things we can do now, to ensure we’re building wealth the new world at a rate which is greater than the effects of inflation, or currency debasement:1 – We can invest more2 – We can take higher risk3 – Or we can keep an open mindI’ve met few who do all three. It’s not uncommon to see some invest a lot, or take a lot of risk, often without realising it, but it’s the open mind bit that's rare – quite clearly the world’s going through some sort of phase transition right now, yet out minds are still in yesterdays thinking in so many areas. Ethereum is one of the digital assets that I personally hold in my own portfolio. I don't personally, or professionally endorse more than a relatively small allocation to this high risk, yet promising new asset class. Take care to conduct your own due diligence and (ideally) seek advice from a financial adviser prior to making any serious investment in crypto-currencies.My guest today is Aditya Das, Blockchain Researcher and Investment Analyst with Brave New Coin. Today we’re just having a general chat along the lines of sound money – I hope you find it interesting! As mentioned:https://ultrasound.money/Twitter for Aditya @DascryptoforyouHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

koura KiwiSaver and NZ Everyday Investor present, News of the Money-World. Governments and central banks should be independent. This is my default belief, as it is with most who worry that the right thing to do, could yield to the popular thing to do. During extreme times (not just geo-politically), we need to guard our minds against dogmatism. In this chat, Rupert and I discuss the UK 'pension' crisis, and cover some ground around how yields and bond prices work together. We then cover Credit Suisse and 'what's up with that'?Sign the petition here for KiwiSaver contribution sharing that was discussed in this episodeHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

Now this one is a bit of a heavy one I must warn you. If you sense there’s more to understand around what’s happening in the world right now , and you can handle looking at something a bit scary for a bit, then watch out for what fear does to you. Don't let fear urge you to sell up, to liquidate, or to change anything. Consider t...Read More Here and to get the links mentioned in today's episode.Senior lecturer at Waikato university Dr Reuben Steff joins me from the Czech republic to help me understand the changing geo- political landscape.If you have any questions, feel free to reach out directly to Dr, Steff here: reuben.steff@waikato.ac.nzHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

koura KiwiSaver and NZ Everyday Investor present, News of the Money-World. The death of cheap labour means that inflation could be here for MUCH longer than many market participants believe. If this is the case, then higher interest rates may not only persist for longer, but they may need to do more damage too. Sign the petition here for KiwiSaver contribution sharing that was discussed in this episodeHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

Just like many central banks around the world, New Zealand’s Reserve Bank, is making the cost of money higher to combat inflation by adjusting the OCR, the official cash rate. When this happens, our homes, our next home, share portfolio, managed funds, property or crypto portfolio – rising interest rates apply downward pressure on their value.Today, my guest Jarrod Kerr, chief economist at Kiwibank talks to me about some of the signs and symptoms of an economic sickness that households, the economy, and the worldwide economy is going through right now. If we can understand the environment our property lives in a bit more, we should have a clearer picture on what comes next for house prices. Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

koura KiwiSaver and NZ Everyday Investor present, News of the Money-World. This week, our special guest is Aditya Das, Blockchain Researcher and Investment Analyst with Brave New Coin.Crypto-Curious Roadshow! Easy Crypto, koura KiwiSaver, NZ Everyday Investor and you, 29th of September at 6pm. Come along if you've been on the fence or don't know what you don't know. Register HERE now, tickets are going fast.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

Recently, I was invited on to another podcast to share a bit of my journey in becoming afinancial adviser. It’s my journey in building a financial advice business while simultaneously trying to break the mold of how it’s done. Unless you’re a financial adviser, you wouldn’t have heard of the Kiwi Adviser Network podcast – but if you are, or you’re thinking of getting into this industry, I highly recommend it – it’s called the KAN podcast.The host, is Warwick Slow. He’s not only a BDM for one of the newest mortgage aggregation businesses in the country, but he’s also weekend announcer on The Edge radio station. Hence the silky smooth radio voice.Proof that financial advice leads to better outcomes. Register for the Crypto Curious LIVE Event!Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro & Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch: Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!