NZ Everyday Investor
The NZ Everyday Investor! A podcast designed for the the everyday person, who's keen to build new wealth in the new world using existing, and new tools to get the job done. We select guests for our show who have a genuine story to tell - not just industry experts but people who have made great financial moves, some on purpose and some totally by accident! We hope you enjoy the show.
The Happy, Everyday Investor / Ruth Henderson, Ep 326

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These days weâre 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 â I love thinking thro...
US Bank Failures / News of the Money-World Ep 62

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 thatâs a pretty safe bet btw!) this really should cause you no concern whatsoever. Ha...
Retirement to Re-Wirement Ep 324 / Pete Harbidge

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.
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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. <...
New Wealth Foundations - an Online Course / Ep 323

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Personal 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.
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Inflation: Soft, Hard, or No Landing? / News of the Money-World Ep 60

Due to technical issues, we have used last week's image on this episode - don't be fooled though - this episode is amaze-balls!!
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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...
Talkin' 'Bout Money! Ep 321 / Frances Cook

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 here
Check out the video version here
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OCR, Cyclone, Crypto Regulation, Markets / News of the Money-World, Ep 59

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...
Cracking Crypto in '23, Ep 319 /Janine Grainger

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 itâs light that you see, being early allows you to spot things and make a move, before the opportunity moves on. While often youâll hear itâs about time in and not timing, and thatâs true by the way, for a small sliver of people a small sliver of the time, being an early adopter...
AI, Personal Finance, and You, Ep 318

Personal finance should never be the destination, but it should be the foundation. How do we get our next investment property, How can we prepare our children financially? How can we pay off our mortgage more quickly? Answer the question is one thing, but making it happen depends on you - you must have a solid foundation. Spending less than you earn, diversifying your income, creating artificial expenses to condition your cashflow, converting your emergency fund into your own insurance company â thereâs so much I can get better at, so possibly, this is true for you too. Getting stron...
Early Stage Investing, Democratized / Ep 317, Colin Magee

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 here
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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.
<...Sowing Seeds of Wealth, Ep 316 Paul Dickson

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/
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Investing in Whisky and Fine Wine, Ep 315 Maxwell Nee

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 â it could even increase). Alternative âluxuryâ investments could therefore make an interesting portfolio diversifier. Keep reading...
Listen to the Slow-cooked passive property strategy here.
Learn more about Oeno here.
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Financial Literacy: Gamified, Ep 314

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 donât think Iâve every really thought too seriously about.
6 months ago I was at a...
Truth about Bitcoin Mining and Central Banks, Ep 313 Dr Simon Collins

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 here
Thanks to Dr Simon Collins from Stackr for having a chat with me!
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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...
Emerging Markets in 2023 / Kevin Carter, Ep 312

Kevin Carter is the founder & CIO of EMQQ, an emerging markets internet & ecommerce index. Kevinâs 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 â we perhaps canât see it so clearly living in a developed economy, but as the general standard of living continues to improve globally, thereâs a massive opportunity. Thereâs of course massive risks too. For one, just...
Higher-Powered Wealth / Ashley Church, Ep 311

Want to hear more on today's topic? Let me know: Ask me anything, suggest a topic!
Ashley Church believes that before he started actually living out his Christian life, while he earnt good money, he was always in debt, and could never keep any money. To the extent that heâs been successful today, he believes that itâs Gods hand on his life.
You can perhaps have different views than this, but when someone makes a claim like this for their own life, maybe thereâs something in this.
In the context of the...
Conspiracies for Conservatives / Ashley Church, Ep 310

There's nothing scarier, or funnier, than a big-boned skeleton. In the same way, that's kind of what it's like these days when it comes to the extremes of the left and right.
Special thanks to www.ashleychurch.com!
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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.
...
New Wealth Order / Ashley Church Ep 309

Welcome to the New Wealth Order where you can still own something and be perfectly happy.
Whatâs 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 â something really awesome seems to happen - After a while ( usually quite a while), what you own, increases in value at an expo...
Russia, China, The Fed, Inflation, FTX / News of the Money-World Ep 58

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?
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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...
Middle-Class Prepper's Guide to Inflation / Ep 307

The more we strive for more, the more beaks weâre forced to wet along the way â taxes, feeâs, premiumsâŚinterest rates. If youâve decided to pursue wealth in a financial form, which ultimately lowers the burden on the state â youâll get stolen from in the process.
We now need more than enough, to get the 'just enough', from yesterday.
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If you're picking up what I'm putting down, help me build the Everyday Investor community!
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Property Market in Serious Condition / News of the Money-World Ep 57

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.
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TGIF, Ep 306

How to build new wealth for the new world, step one:
Get a source of income which is greater than your expenses / Spend every dollar you make with intention, and on purpose according to a plan / Get rid of consumer finance tackling the highest payments first , save 3-6 months of your income as a self-insurance fund, and then start investing. Initially it may be for a deposit on your first home, then, when you do get property, hit up some managed funds and individual shares too if you can. Get the basics done right first. Just donât...
Precious Metals: For Wealth, Ep 304

For thousands and thousands of years weâve used gold as money. At some stage, whether part of the role out of CBDCâs (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...
TGIF, Ep 303

Okay so in the next bit I want to leave you with 5 things you can do to build obscene levels of wealth â like really obscene and just filthy nasty, nasty wealth. This was inspired by a conversation I had with a friend last week â who left me with the thought, you become who you hangout with. Think of the type of wealth you want to build â what does it look like and whoâs already good and accumulating it. Hang around them, youâll likely start talking, then thinking like them, then low and behold, you no start getting the result...
OCR and FTX updates / News of the Money-World Ep 56

There's nothing more annoying than just the news.Â
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)
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News of the Money-World! An informative, quirky, and c...
Property: Walking the Walk, Ep 301

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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 whatâs been, and whatâs to come. If youâve been listening in Iâd really love to see you there â we owe you a thanks at the very least, or a your welcome at the very most â Pizza, drinks, prizes and 4 amazing speakers â Itâs like Woodstock, but with a rate of return.
Special thanks to our event partne...
Episode 300!!! TGIF

This may explain why Central Banks worldwide have taken a keen interest in the environment, and Central Bank Digital Currencies or CBDCâs â I think weâve just found the problem for their solution...
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...
Inflation Peak Hopium/ News of the Money-World Ep 55

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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 whatâs been, and whatâs to come. If youâve been listening in Iâd really love to see you there â we owe you a thanks at the very least, or a your welcome at the very most â Pizza, drinks, prizes and 4 amazing speakers â Itâs like Woodstock, but with a rate of return.
Special thanks to our event partne...
Michael Every: Mercantilism And The New Order, Ep 298

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 b...
Breaking Crypto / News of the Money-World Ep 54

So if you do own crypto and more specifically Bitcoin, you may be tempted to throw in the
towel at times â this could be one of them times. Iâve 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 itâs almost always the hands that hold this asset that causes the risk, rarely the asset itself.
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News of the Money-World LIVE is happening on the 24th of November. Rupert...
Bonds: Wrong Type of Risk, Wrong Time, Ep 296

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 donât work quite the way they normally would have in the past. I guess whatâs 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 e...
European Winter Freeze Avoided? News of the Money-World #53

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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 whatâs been, and whatâs to come. If youâve been listening in Iâd really love to see you there â we owe you a thanks at the very least, or a your welcome at the very most â Pizza, drinks, prizes and 4 amazing speakers â Itâs like Woodstock, but with a rate of return.
Special thanks to our event partne...
Value Investing With Tom / Ep 294

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.
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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 whatâs be...
Chinese Whispers and the Drums of War / News of the Money-World #52

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 whatâs been, and whatâs to come. If youâve been listening in Iâd really love to see you there â we owe you a thanks at the very least, or a your welcome at the very most â Pizza, drinks, prizes and 4 amazing speakers â Itâs like Woodstock, but with a rate of return.
Special thanks to our event partners who hav...
Is Un-Listed Commercial Property for You? Ep 292

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 whatâs been, and whatâs to come. If youâve been listening in Iâd really love to see you there â we owe you a thanks at the very least, or a your welcome at the very most â Pizza, drinks, prizes and 4 amazing speakers â Itâs like Woodstock, but with a rate of return.
Special thanks to our event partners who hav...
Monetary-Diarrhoea/ News of the Money-World Ep #51

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...
Commercial Property Investment Foundations, Ep 290

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...
Commercial Property News / News of the Money-World #50

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.
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<...SOUND Money for an UNSOUND World / Aditya Das, Ep. 288

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 weâre building wealth the new world at a rate which is greater than the effects of inflation, or currency debasement:
1 â We can invest more
2 â We can take higher risk
3 â Or we can keep an open...
Credit Suisse, UK Pension Crisis / News of the Money-World #49

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...