NZ Everyday Investor

Sign up to New Wealth Foundations Here.These days we’re spoilt for choice with all the various finfluencers doing their thing on blogs, podcasts, and YouTube channels: In one bucket, you have your brands employing podcasts as a content marketing technique and as a way to connect with their user base. In the other bucket, you have your everyday folks sharing their money and investing journeys out of enthusiasm rather than ambition. The catagorisation could go on infinitely from here, all based on the topics people choose to niche down on – I love thinking through this though through the lens of Hypocrites temperaments or the 4 main personality types: Sanguine or the Otter, choleric or the Lion, melancholic or the Owl, and phlegmatic or Golden Retriever.Check out the Happy Saver here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

New to the story around SVG, Silvergate, and Signature, then check out this article!Worrying about a bank run is not advisable, especially considering how well positioned they are now. New Zealand banks fared well in 2008 and from what I hear, they sound super profitable. As an investor, continual market awareness is a small price to pay for insurance against uncertain times though. If you have faith that in the long term, a traditional approach to investing is a prudent strategy (and that’s a pretty safe bet btw!) this really should cause you no concern whatsoever. Having said that, many local commentators often remain silent on a risk we all quietly worry about. There’s a blind spot everyday investors have as a result: No one talks about the risk of systemic failure of the banking system. It’s not a profitable concern for one’s own career in this field, but I believe we should be framing a diversification discussion using old and new, alternative forms of decentralised money. Read more here___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro & Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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 - Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in these live-recordings.3 - Sign up to the NZ Everyday Investor Newsletter! Disclaimer: 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!

From retirement to 'Re-wirement', the story of PINCHT, and how to continue living now, just like you will then. Guest host Carley Ellis interviews Pete Harbidge about retirement at age 50, and the real wealth they've built since.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Sign up to New Wealth Foundations NowPersonal finance is kind of like the engine room of wealth generation - it's where we receive our income, manage our spending, and make investments. Through a dedication to learning personal finance, ideally fused with specific advice periodically, we can resolve nuanced financial issues and make progress towards achieving our financial goals. Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Due to technical issues, we have used last week's image on this episode - don't be fooled though - this episode is amaze-balls!!Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Want to know the secret to building wealth with the least amount of effort? Well, it's not that easy, obviously, but at the same time, it's not that hard either. Today's guest has done the hard yards, and what she has to say may unlock a bit of value for those who struggle with the basics while they strive for perfection. Read more hereCheck out the video version hereHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

What's going to happen now that a cyclone has ripped the guts out of many households, communities, and farms? Clearly some money's going to be spent on fixing things up - will this be inflationary? Should the official cash rate (increased to reduce inflationary pressures) be 'held' [or reduced] to give the vulnerable a hand up, and the economy some life? Most people say no [inflation, remember]. I say yes [remember Christchurch], but Rupert says no.What about regulation in the crypto space? What's led to the recent run-up in price across most digital assets recently? Wasn't this supposed to be highly correlated to tech-stocks?And that leaves the concept we touched on with Michael Every around what could happen next in NZ, if we're ready for it: infinite QE for the government [to spend on infrastructure], and higher rates for longer for the rest of us. Nasty.Hope you enjoy the first NOTMW of 2023!___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro & Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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 - Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in these live-recordings.3 - Sign up to the NZ Everyday Investor Newsletter! Disclaimer: Please act independently 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!

Check out the article and glossary here.First they ignore you, then laugh at you, then fight you, then finally they join you. As painful as it is being early and helping others see the light so to speak, assuming it’s light that you see, being early allows you to spot things and make a move, before the opportunity moves on. While often you’ll hear it’s about time in and not timing, and that’s true by the way, for a small sliver of people a small sliver of the time, being an early adopter can have rewards.  Check out Easy Crypto here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Colin Magee is the co-founder of Catalist. Catalist is a stock exchange for smaller companies, many of whom would normally not be large enough yet to benefit from traditional exchanges. With Catalist, continuous disclosure yields to periodic auctions... Read more hereHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Wealth building isn't just about financial prosperity, but also about personal growth and making a difference in the world. Our guest today, Paul Dickson, is a prime example of someone who is living for something bigger. Paul is a father and the head of a charity called OKE, which provides Kiwi kids with the opportunity to learn life and social skills through productive gardens in schools. Read more here.To learn more or to volunteer time or money on a working bee, check out: https://oke.org.nz/working-bees/Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

The more wealthy people there are in the world, the more people there are to drink fine wine and whisky. The more anxiety around the present age there is also, the more likely investing in this space could work as a zig to your zaggers (ie, this type of investment may not drop in value as much during poor economic times – it could even increase). Alternative ‘luxury’ investments could therefore make an interesting portfolio diversifier. Keep reading...Listen to the Slow-cooked passive property strategy here.Learn more about Oeno here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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 and one of the partners of this show.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)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 was an American civil rights leader called Mortimer Adler that some believe said this: 'I believe that what we become depends on what our fathers teach us at odd moments, when they aren't trying to teach us. We are formed by little scraps of wisdom.'Trapped inside due to poor weather while on holiday with 3 young kids can produce a few scraps of wisdom, among other things. Playing games with kids though, provides a unique learning opportunity I don’t think I’ve every really thought too seriously about.6 months ago I was at a 50th bday party – I got talking with this couple who start telling me about a board game they invented called Hacktics.We must have spoke for half an hour at least me quizzing them on everything I could – Why’d you do it, How did you do it, What’s involved from start to finish?In the end I thought stuff it – let’s bring it up in an episode. I’ll let them explain the rest – I hope you enjoy this one.While not financial advice to suggest this, I hope you seriously consider getting one of these games for kids aged 13 and up. Since recording this one, I’ve played it twice now with my oldest – as far as advancing financial literacy with kids, this game can transfer a lot of knowledge.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Those who prefer more government control over individual sovereignty, or those who have the most to lose, are often those first to believe anything negative about bitcoin, including the level of harm it does to the environment. Read more hereThanks to Dr Simon Collins from Stackr for having a chat with me!Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Kevin Carter is the founder & CIO of EMQQ, an emerging markets internet & ecommerce index. Kevin’s a diehard value investor but is also a believer in indexing having partnered with Princeton Economist Dr. Burton Malkiel for over two decades focusing on China/Emerging Markets. The three big megatrends of consumption, smartphones and the internet, make emerging markets an intriguing idea – we perhaps can’t see it so clearly living in a developed economy, but as the general standard of living continues to improve globally, there’s a massive opportunity. There’s of course massive risks too. For one, just because an economy’s got a lot going for it, doesn’t make their markets a sure fire bet.Please note I am a small investor in this fund.You can learn more about EMQQ here: https://emqqglobal.com/Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Welcome to the New Wealth Order where you can still own something and be perfectly happy. What’s the name of the game? Maximise your income, keep a lid on your expenses, then swipe away the leftover surplus - invest in a way that makes sense to you. Repay your mortgage or invest? Most wealthy people do a little of both. If we keep on investing though – something really awesome seems to happen - After a while ( usually quite a while), what you own, increases in value at an exponential rate. The practice of growing wealth, and having wealth, are good states to be in. So if you’re managing to stay somewhat happy along the way to retirement all while doing no harm – then fantastic I say. In fact, the world full of others actively pursuing something better, just like you. Today, well known property commentator Ashley Church joins me to discuss some of the socio-political and somewhat economic paradigms that are trying to shift into a new order of sorts. I want to know how to invest for the new world, so if you’re wondering why I’m going here today, it’s because I think there’s some important to learn.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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 going around the world in 30 minutes today:1- US Fed promising pivot-pipe-dreams to the punters?2- An end to 'zero-Covid' in Hotel China-fornia?3- Close call coming to an end with European energy-crisis?4- The RBNZ's determination to sacrifice the NZ economy.5- Crypto-winter, ice-age, or final nail in the coffin?___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro & Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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 - Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in these live-recordings.3 - Sign up to the NZ Everyday Investor Newsletter! Disclaimer: 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!

The OCR increase of 0.75% may very much be required in order to save us from inflation. The property market may not be able to sustain price levels due not just to the bit of our RBNZ, but also their bark. Our central bank is determined to throw overboard anything it needs to in this battle, including the property market but ultimately, the economy. Whatever it takes to to maintain their credibility and retain our confidence, in their ability to stabilize the system after their jelly fish monetary intervention in the last couple years.___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro & Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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 - Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in these live-recordings.3 - Sign up to the NZ Everyday Investor Newsletter! Disclaimer: 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!

For thousands and thousands of years we’ve used gold as money. At some stage, whether part of the role out of CBDC’s (Central Bank Digital Currency) or something else, odds are high gold may form the base of a new global reserve currency. Russia, China and others are working on a new currency to trade with, and central banks are gobbling up new supply of gold at a rate not seen since 1967. It could be tempting to think gold will spike in value denominated in USD, but you also have to consider what value the USD has in this scenario too. Getting the ‘what’, the ‘how’ and the ‘when' right, are all needed for this to be a good speculative bet. I'd be cautious here. There’s no guarantee in that future there would even be a marketplace for gold outside of central banks. So is gold going to be useful here for when the train runs out of track? Rich Elliott and Chris Howard are my special guests today, from MyGold.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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's nothing more annoying than just the news. So here's the news the news first, for what it's worth, the OCR has increased by 0.75%. We are now at a level we haven't been since around 2008.Why is the OCR important? This 'official' interest rate that the Reserve Bank of New Zealand sets, indirectly influences the costs of money to the banks we the people borrow from.It's an important thing, because if interest rates increase, two things happen...(Read More Here)___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro & Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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 - Ask me anything, suggest a topic!2 - Subscribe to YouTube to get earlier access, participate in these live-recordings.3 - Sign up to the NZ Everyday Investor Newsletter! Disclaimer: 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!

_________________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the NZ Everyday Investor.The venues amazing, but as a result, tickets are pretty limited - Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Talking to Blandon Leung today reminded me how important it is to have people around you that aren’t offended by your success, or at the very least, your ambition. Blandon explains today that the only thing he’d do differently now to build even more success, would be to invest in mentorship far sooner. Leveraging off the success of those who’ve gone before you means you don’t have to start off in the same place they did. They’re giving you a headstart! Blandon's the adviser who realises advice is beyond value – He’s walking the walk.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

_________________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the NZ Everyday Investor.The venues amazing, but as a result, tickets are pretty limited - Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Michael Every joins me in this episode. He's the global strategist for Rabobank.Today I've learnt A LOT from this discussion, including why Central Banks worldwide have taken a keen interest in the environment, and Central Bank Digital Currencies recently.Programmable currency can ensure capital and resource is directed towards green infrastructure projects. Assuming the currency is linked to a common objective of a large trading block (say Europe, North America, Australia and NZ?), you now have an idea of what could make a new base for a common currency.A CBDC backed by carbon? It's hard to say if that plays out, but either way it means the shift towards this transformation could come at the cost of producing goods and services for consumption. If the supply side falls, higher interest rates have to beat down consumer demand even further.In other words, under this hypothetical scenario – things get really expensive for you and me, and our standard of living for the first time in a long time, may broadly decline.Still, we'll likely do it for a good cause...CBDC’s. Previously known as a solution looking for a problem, now appear to have a purpose in the green transition. A common digital currency, working towards a common objective of controlling our environment: We've arrived in Oceania about 40 years late._________________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited - Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

So if you do own crypto and more specifically Bitcoin, you may be tempted to throw in thetowel at times – this could be one of them times. I’ve been reminding myself about a couple things on this: Investing 'success' must have a lot to do with our ability to make decisions we can stick too. And the next thing, is that it’s almost always the hands that hold this asset that causes the risk, rarely the asset itself.______________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited - Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

It's at least a theory or at best, mere speculation, that we're already in a new regime, where bonds don't provide the same value in a balanced portfolio. A lot of things don’t work quite the way they normally would have in the past. I guess what’s good about this for the everyday investor keen to push forward with a bit more understanding - given the amount of change afoot, don't worry if you don't have a degree in this stuff already. You could skip the formal education and to be honest, it may make it easier.Central Banks and/or government, have created so many distortions with their interventions, that multiple patches are starting to rip at the seems. Personally, I can’t believe how far something that that can go on for, before things start to break. Then again, perhaps it’s always been broken, and that’s why it kind of why it works (and will always likely work).Both shares, and bonds have been declining at the same time though. That’s not suppose to happen.Check out the remainder of this article Greg Fleming is Head of Global Diversified Funds with Salt Funds, an Auckland based Investment manager. is https://www.saltfunds.co.nz/Check out the Sorted website for more info on bondsHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

______________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited -good news is that you’re hearing this first, before it’s promoted elsewhere – Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________As it was clear the Russian invasion of Ukraine would lead to an energy shortage, like all things, it was labelled a crisis. Was it really a crisis though? Well it could have been - now it appears energy supplies are 'good enough' to get through what would have otherwise been a winter from hell.Is this an example of how the media can lead us down the wrong path around items to worry about? Possibly. Are European's safe now? No necessarily - there's still next winter to think about.Active investors need to watch this, passive investors - not so much. What's the lesson here? Don't worry on items you cannot control.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases 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)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!

Tom Botica believes and practices a form of wealth-building known as 'value' investing. Could this be a tool that everyday investors use to get an edge, instead of being lumped with the average?Check out a great starter video on Tom's channel covering off the 4M checklist mentioned in this episode: Investing with Tom. ______________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited -good news is that you’re hearing this first, before it’s promoted elsewhere – Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________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!

News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited -good news is that you’re hearing this first, before it’s promoted elsewhere – Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Golden Dragons, lifetime tyrants, and a world on edge. What happens in China, doesn't stay in China - we've learnt this the hard way already. As China shifts further away from economic objects towards national security objectives - this WILL cause side-effects. This may be of concern, OR a signal of opportunity when investing in emerging markets (EM's).____________________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!

News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venue's amazing, but as a result, tickets are pretty limited -good news is that you’re hearing this first, before it’s promoted elsewhere – Tickets are only $15 each – all going to charity. Link’s in the show notes – get in quick, BUY TICKETS NOW!Now today, I’m talking commercial property with two highly skilled investors, who have a goal to convert the Provincia un-listed property fund into a listed commercial property fund at some stage– Considering 3 years ago they’d only just started, it’s quite something to observe from my perspective, how wealth grows in these types of containers. Carl Burling, who’s fairly well known in the Auckland property space, is the CEO of Provincia. My other guest is Jack Revill who’s in charge of identifying and managing the properties the fund owns.WarningProvincia is only open to Wholesale or Eligible investors as defined by clause 3 of schedule 1 of the  Financial Markets Conduct act 2013. With a wholesale investment the normal disclosure rules do not apply, so investments of this kind are not suitable for retail investors.Please read more on the definition of wholesale and eligible investorsPlease read more about the share offer currently live and available to wholesale and eligible investors.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!

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: [email protected]! 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!