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Nick Rowland is the Marketing Manager of New Zealand Rugby, Director of Side by Side, and a true-blue sporting enthusiast. ____________________________________________ ►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Linkedin: https://www.linkedin.com/in/nickjrowland/ ____________________________________________ CHAPTERS 0:00-Introduction 1:40-What Nick Rowland does 5:07-Cricket 5:50-The value of competition 8:50-High performers vs culture 9:48-Team culture 12:00-Vision 14:00-Team adoption 15:48-Obstacles 18:44-All Black Investors 20:00-NFTs 23:00-All Blacks NFT 25:00-Remaining curious 25:40-The All Blacks brand 27:58-Speak your truth 30:00-Diversity 33:10-Marketing fundamentals 35:00-Marketing through service 37:00-Steven Adams 43:40-Sales takeaway 46:10-Mental hangup 49:40-Work-life balance 52:48-The cost of success 54:39-NZ Baseball 1:01:00-Conclusion
Sam Farmer coaches people through change in three core areas of professional life: Next Generation Leadership; Psychosocial Growth; Professional Supervision. LINKS AND RESOURCES: ____________________________________________ Find sexual assault support near you-https://sexualabuse.org.nz/resources/find-sexual-assault-support-near-you/ Mental Health Foundation-https://mentalhealth.org.nz/ Shine helps keep you safe from domestic violence-https://www.2shine.org.nz/get-help/helpline/ ____________________________________________ ►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: http://enhanceltd.co.nz/ ► Linkedin: https://www.linkedin.com/in/sam-farmer-62293414/ ___________________________________________
Robert Erskine & Tony Rutherford are the managing Parters of Copper Fox ____________________________________________ ►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: https://www.copperfox.org/ ►Robert's Linkedin: https://www.linkedin.com/in/robertaerskine/ ►Tony's Linkedin: https://www.linkedin.com/in/anthonyrutherford/ ____________________________________________
So in this episode, we talk with Stewart. He's the managing director of FX consultants. And a lot of what he does is around the organizational psychology component because I think in business it's very easy to just focus on the bottom line, marketing and focusing on clients. He had an interesting story where he talked about his experience working in a maximum-security prison as a psychologist. Sharing a scary prank the prison guards played on him on his first day as well as the psychological toolkit he uses for business and life. A worthwhile listen. ____________________________________________ ►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: https://fxc.co.nz/ ►Linkedin: https://www.linkedin.com/in/stewartforsyth/ ►Newsletter: https://stewartforsyth.substack.com/ ____________________________________________
This podcast started a little bit out of the gate. Daniel Watson, he's a cyber security expert and has a back story working in the territorial forces defusing bombs. He talked about a person that was on their fishing boat who received an email saying we are going to share all the nasty things that you've been looking at online as well as what you're doing because we were recording the screen. ____________________________________________ ►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton ____________________________________________ That’s a daunting experience, I don't know about you. But I think any business owner that isn't thinking about cyber security during these times because it feels like a compliance tick that you have to get involved with. In reality, it's going to help make your business better. Even in our business, we're having clients asking   us like: What are your practices? How are you protecting my information? It’s going to become something that's very very important. You don't want to be the person that's leaking information and losing brand reputation as a result of it. Link to the full podcast episode in the comments. GUESTS DETAILS: ____________________________________________ ►Website: https://www.vertech.co.nz/ ►Linkedin: https://www.linkedin.com/in/daniel-watson-cybersecurity ____________________________________________
I haven't met anyone like Sasha doing what Sasha does. She goes by the name Reno Girl. Well, that's what the website says. So   I've decided that's the name she goes by. We talk about her experience as a young woman moving from Ukraine, working three jobs to support a family, and then also working in the corporate world, having to sit on a little laptop while in a   meeting room where they kept trying to move her around because to find some sort of underhanded way to get rid of her. She managed to stick it out and work it all out.   But the most interesting part outside of the personal journey and what she's done to be where she's at, being a single mother, owning her own house,   running a well, I guess I assume successful business I don't know, for the last four years, but it's still gone through COVID. So if anyone's sort of thinking about renovation,   how to juggle the complexities of getting the supplies that you need, finding the right contractors, how to get your vision down on paper in a strategic way. Well, apparently she likes property and apparently, she likes planning.   So I'm glad people like her exist because fuck it sounds awful to me. But as I say, you know, it solves a problem. ____________________________________________ ►FREE RESOURCES  FROM RYAN: https://linktr.ee/ryanjmelton ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website:https://www.renogirl.co.nz/ ►Linkedin:https://www.linkedin.com/in/sashachekal/ ____________________________________________
We've got an interesting and diverse episode.   Which is why I love doing this podcast. You don't know what the hell is going   to come out of the stories. So this is Antoinette she's a lovely lady, a hypnotist   as well as experienced in Neuro-linguistic programming. So essentially helping   people discover their potential. The key areas she helps with are anger issues and   helping couples reconnect. But the part that made it interesting is it's   such a diverse story about how when she was a 17 year old girl she snuck out to   learn how to fly. It was big news   because a young lady, during that time in South Africa, it was quite a rarity   to see them get a pilot’s license. Other key moments were her learning scuba diving,   hugging an orangutan and working with  dolphins. It's just such an interesting and diverse story   with lots of swings and roundabouts. It kicks off with us halfway through a   conversation asking about my past and what led me to thinking a certain way. That's enough rambling. If you haven't subscribed for the newsletter team:   https://mailchi.mp/8548019f8098/monthly-newsletter What are you doing? It's free. You’ll all my   content in one place. We've even got two podcasts that I won’t tell you about the other one so you   have to subscribe to find out. You also get a copy of my book. It's all in this link: https://linktr.ee/ryanjmelton If you want a bit of more information, reach out. If you want some help with your financial future,   then let's have a chat, a Kumbaya session. But that that's enough about me. Let's kick into. Guest Details: Website: https://www.purepotential.co.nz/ Email: info@purepotential.co.nz Disclaimer Please note that this content has been provided for information purposes only. The content of this page is not intended as a substitute for specific professional advice on investments, financial planning or any other matter. While the information provided in this document is stated accurately to the best of our knowledge and belief, Financial Planning New Zealand Limited (trading as OnePlan for Retirement) and its directors, employees and related parties accept no liability or responsibility for any loss, damage, claim or expense suffered or incurred by any party as a result of reliance on the information provided and opinions expressed on this page except as required by law.
In this episode, we speak with Sam Kamani. So he spoke on TED Talks. He sold 15,000 copies of his book, and he's part of an organization that have done $1.5 billion in transactions. And he talks about the idea of Web 3.0. And it's quite an overwhelming concept for many, but it's something we discuss throughout this is historic, technological advancements, things to be mindful of from an investment standpoint. Don't have all your eggs in one basket, don't speculate so you're not in a position to lose money. But where from a   business standpoint, how much money can be made and how worthwhile it is to keep an open mind when these new things arise. Because most people are resistant to change, most people see a new innovation and miss the boat.  So I reached out to Sam. I wanted to know more about Web 3.0. So that's what it's going to be about. And anyone that's listening to this podcast, there's a newsletter where I pull all the information together: https://mailchi.mp/8548019f8098/monthly-newsletter  I've also got a book that's free, so there's a link in the description if you want to check it out: https://mailchi.mp/1f3743900b02/freebook And there's a bit of information about Sam, too. He's got his own podcast if you want to see the book, have a look: Podcast: https://open.spotify.com/show/6PgkPhGTVh0CcBqqXCi38h Website: https://www.samkamani.com/ So without further ado, let's kick into it. Disclaimer Please note that this content has been provided for information purposes only. The content of this page is not intended as a substitute for specific professional advice on investments, financial planning or any other matter.  While the information provided in this document is stated accurately to the best of our knowledge and belief, Financial Planning New Zealand Limited (trading as OnePlan for Retirement) and its directors, employees and related parties accept no liability or responsibility for any loss, damage, claim or expense suffered or incurred by any party as a result of reliance on the information provided and opinions expressed on this page except as required by law.
I Made A Mistake...

I Made A Mistake...

2022-04-0605:25

I need your help to make the podcast better.  I'm not happy with the quality of the episodes so I'm going to take a break to brainstorm how to make things better.  This whole thing wouldn't be possible without you so I'd love to hear suggestions. Send me your thoughts via email or social media: ►Tik Tok: https://www.tiktok.com/@ryanjmelton ►Linkedin: https://www.linkedin.com/in/ryanjackmelton/ ►Instagram: https://www.instagram.com/ryanjmelton/ ►Email: ryan@oneplan.co.nz
KiwiSaver is about to collapse and people aren't ready for it. What I'm talking about isn't necessarily something out of the blue. It's something that's been building since the global financial crisis in 2007. There was collateralized debt, essentially a combination of shitty loans that went together to make a good loan and with a good credit rating. Then suddenly it tanked, and the market lost its confidence. Taking  years for the investment markets to recover. FIND ME: ►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton ►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/ ►On Instagram: https://www.instagram.com/ryanjmelton/ ►Subscribe To My Newsletter: http://eepurl.com/gTbZlH
Three reasons why I think you should think about investing in something other than the NZx 50: Home Bias - Check out the 'The randomness of Global Equity Returns ' by Dimensional Funds here:https://www.dimensional.com/us-en/insights/the-randomness-of-global-equity-returns Certain companies in the NZx50 are overweighted The liquidity is comparatively low compared to global indexes FIND ME: ►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton ►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/ ►On Instagram: https://www.instagram.com/ryanjmelton/
Question of the day: "I am 75 and have $70,000 in a conservative KiwiSaver fund. I will need some of this over the next few years. As the fees and losses for KiwiSaver are both substantial, is it better for me to withdraw all KiwiSaver funds and invest them in term deposits?" Source: https://maryholm.com/nz-herald-12-march-2022/ ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i ►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0 ____________________________________________ FIND ME: ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation ► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/ ►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton ►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/ ►On Instagram: https://www.instagram.com/ryanjmelton/
Question of the day: "We are fortunate enough to own our own home and a small holiday home, both mortgage-free. Estimated value $2 million and $600,000. This is taken from the lowest property value range. My partner just turned 65 and is on NZ Super. I am 63, have terminal cancer and I’m on Supported Living. Our problem is we have eaten through the savings over the last few years due to reduced income. I would love to keep the holiday home a little longer to build memories with my daughter and grandchildren. Also for my own mental health. Even better, leave them the property to continue building memories where we all love spending time together. Is it feasible or even possible to get an interest-only loan up to $100,000 to enable this to happen for the next five years, rather than give up on the dream now? The loan would be used for essential repairs and interest payments, outside what we can meet on reduced income. I would prefer to progressively draw down the loan rather than get it all upfront, to keep interest cost down. And payable early if circumstances changed. We do have life insurance if the inevitable occurred within the next five years. It’s lower than it was as we made an earlier terminal illness claim on mine and used it to repay our mortgage in 2016. Outliving your diagnosis has a downside financially. As a general rule we live frugally. That would not change if we proceed. This would give me time to come to terms with having to sell something I worked very hard to achieve, and reduce the feeling it was all for nothing. Is this foolhardy or worth consideration?" Source: https://maryholm.com/nz-herald-12-march-2022/ ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i ►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0 ____________________________________________ FIND ME: ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation ► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/ ►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton ►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/ ►On Instagram: https://www.instagram.com/ryanjmelton/
►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation Tools for picking the Best KiwiSaver Fund in NZ Risk Tolerance: https://comms.anz.co.nz/kiwisaver-risk-profile ESG: https://mindfulmoney.nz/kiwisaver/checker/ Calculator: https://sorted.org.nz/tools/kiwisaver-calculator Comparing Funds: https://sorted.org.nz/tools/kiwisaver-fund-finder Forms to look for: Product Disclosure Statement. Quarterly Reports Statement of Investment Policy and Objectives Get Digital Advice: https://www.nationalcapital.co.nz/kiwisaver-healthcheck Find A Financial Adviser: https://financialadvice.nz/find-an-adviser/
Top 7 Ways To Withdraw Your KiwiSaver: Retirement First home Financial hardship Serious illness Permanently move overseas When someone dies Miscellaneous
Welcome to Finance News, we're going to talk about the soaring price of petrol in New Zealand, which isn't pretty. I mean, a lot of us are already struggling just to live paycheck to paycheck. Now suddenly petrol prices are taking off and people are freaking out, so much so that the government has actually made a drastic change. What they're doing is they're going to make a cut $0.25 per litre of the tax that they were getting and using that to fund transport costs like roads and that sort of thing. The Treasury has worked out that that's going to cost the government over a period of three months, about $350 million. For a government that's already struggling in terms of printing money, getting into a position where they're using half their annual budget to fund the COVID relief, it's not a pretty sight and sadly I don't have a crystal ball. But it would make sense that prices keep increasing irrespective of what the government does. You might be thinking the crude oil price increase and petrol at the pump here in New Zealand is being caused by the Russian and Ukraine war. That's not the whole truth. Yes, Russia is one of the largest producers of oil in the world. Now suddenly it's inaccessible. And what happens when you do a drastic change like that? People freak out, they still need the oil, so they go to different places and there's a lot of competition. So then suddenly the prices go up. The other thing is OPEC one of the major suppliers of oil around the world, on the 10th of March, said, hey, we're not actually going to increase production. And when you look at, let's say, property, let's say commodities shares, it's just a combination of demand and supply. So right now, there's concerns about supply and people rushing out, buying a whole lot inflating the price. But this is actually a problem that started two years ago with COVID. Suddenly, due to all the lockdowns. There was a huge drop in the demand for crude oil. And what that means is they dial back production, they eased back. So now what we're seeing is there's not enough supply relative to the demand that we're having now because the global economy is suddenly very thirsty. Airlines are opening. Businesses are opening. Now, suddenly they've got this craving, this thirst that's been built over two years. So now there's concerns around too much demand for the supply. The other thing that's been happening is greater regulation and scrutiny for the companies that would produce crude oil. In summary the price changes was caused by: 1. increased regulation 2. huge drop in demand and then suddenly a spike in demand. And then also the Russian and Ukraine, spontaneous bidding is really what's contributing to the global concern, especially here in New Zealand around petrol. So in conclusion you need to be putting yourself irrespective of petrol into something that is inflation proof. You need to make sure you’re looking at things like KiwiSaver, managed funds, property, something that can hold value because if you're leaving money just in the bank, you're putting yourself in a position where the cost of living is increasing drastically faster than the return you're getting at the bank, still using a emergency fund, still make sure you're paying down debt as fast as you can. If you pay down your debt, you've got a bit of money, that's when you've got to start looking at property, managed funds, things that hold value in the face of rising prices. That's all from me. Thank you for joining Finance News, New Zealand.
Anyone that's a first-home buyer, or looking to get another mortgage for their rental property, this is a video you need to see. The new lending law, that came into effect in December, has been updated. It was the CCCFA and there was a big drop in loan applications. Good people that could actually afford the loan, weren't getting the opportunity to get a mortgage because of the new changes. The idea was that they wanted to protect vulnerable people from getting into debt that they can't afford. There are three keys things to look at: 1. What have they changed? 2. Why are they changing the CCCFA? 3. What do the CCCFA changes mean for you? So a really simple one that they've changed is they are no longer recognizing savings and investments as outgoings, which makes sense. You know, like if you take on a mortgage and you're saving and you have investments, it makes sense that you might be able to use that for your mortgage? So why are you calculating that as an outgoing? The other thing is they were looking at the last three to six months of your expenditure and assessing: how much you're spending on Uber Eats? How long are you going on Netflix? Why are you wasting money on these trivial things?Which would impact your ability to get a loan. Now they're putting less ownership on it. They're focusing on future spending because they recognize that people change their habits to meet the requirements of their debt. So essentially, less focus on how you're spending your money as opposed to how you will spend your money and not going through your transactions with a fine-tooth comb like they were before. And the final piece is they’re going to have clearly defined examples so it's easier for lenders to recognize what they should do in certain instances. And that steps into the why. Why are they changing the CCCFA? Essentially, there's a huge risk for banks and lenders in terms of a fine. So because they didn't want to pay this massive fine they overdid it and are now trying to reign it back in. So that's the main reason why they're trying to give clearly defined examples so this doesn't happen. The other reason is that there was a drop in loan applications and people that should be able to get loans weren't able to. That wasn't their intention. So they have made adjustments accordingly. What do the CCCFA changes mean for you? It makes it easier to get in a position where you can get a loan but things are still tightening up. It's still harder to get as large a loan, as you did before, the big inflationary concerns and all those people rushing out to buy property. But, what it means for you, is that you should still have the habits that they set the criteria for initially. Still spend your money as though you have the mortgage now. Worst case scenario, you have a higher deposit. Sure, the changes are good. Sure, it's none of their business to go through three to six months of statements to assess your ability to fund the loan but you can still have the habits of someone that's going to pay down their debt because the sooner you pay down that debt, the sooner you can become financially free and can start enjoying life the way that you want to.
The Russian invasion of Ukraine is a horrible tragedy that has captured the hearts and minds of the world. A world torn between the instigating of a nuclear war and the injustice of war.
Finding a job on Seek, Trademe or Indeed isn’t as easy as it sounds. Let alone trying to find your dream job. So, I thought I share my top for ways for getting your dream job in NZ. ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i ►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0 ____________________________________________ FIND ME: ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation ► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/ ►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton ►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/ ►On Instagram: https://www.instagram.com/ryanjmelton/
This an episode from March 2020 in the midst of Covid where people’s KiwiSaver dropped by 20% to 30%: “The short answer is nothing. When the hysteria bus takes over you’ll start developing this compelling urge to do something. Change your growth fund to a conservative or jump ship to another company not as badly impacted. Though it may have given you a sudden feeling of relief your finances won’t be thanking you. In my line of work we call this crystallising your loss. Lets say you made an amazing 20% return from 2019 to 2020 then the market drops by 20% so you freak out and sell your assets to change the fund. What is your return now? Despite what the latest journalist funded economist wants you to believe, it is nearly impossible to time the market, so in times like this, what matters isn’t the fluctuations in price, but instead, your risk tolerance, your time horizon for needing the money and making sure you don’t have all your eggs in one basket. By this I mean a diversified investment approach split across the four asset classes (cash, bonds, property and shares) which are the founding principles of why Kiwisaver exists and the very strategy we’ve adopted in our company for the last three decades. This pandemic may be new but the markets reactions are not.  " ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i ►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0 ____________________________________________ FIND ME: ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation ► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/ ►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton ►On Linkedin: https://www.linkedin.com/in/ryanjackmelton/ ►On Instagram: https://www.instagram.com/ryanjmelton/
Comments (1)

Bensy Philiph

With trxn rate and fees, can't see profit in buying U.S stocks. For eg. to buy 100 USD worth of stock on an average we have to invest 135 to 140 NZD. Please share your view.

Nov 19th
Reply
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