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 thro...

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. Ha...

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. <...

Sign up to New Wealth Foundations Now

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.

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...

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...

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

Hey! Can we have a little chat?

If you're picking up what I'm putting down, help me build the Everyday Investor...

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...

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...

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 – there’s so much I can get better at, so possibly, this is true for you too. Getting stron...

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

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.

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...

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...

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...

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!

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...

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...

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 he’s been successful today, he believes that it’s 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 there’s something in this.

In the context of the...

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!

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.

...

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 expo...

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...

The more we strive for more, the more beaks we’re forced to wet along the way – taxes, fee’s, premiums…interest rates. If you’ve decided to pursue wealth in a financial form, which ultimately lowers the burden on the state – you’ll get stolen from in the process.

We now need more than enough, to get the 'just enough', from yesterday.

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 c...

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.

___________________

...

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 don’t...

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...

Okay so in the next bit I want to leave you with 5 things you can do to build obscene levels of wealth – like really obscene and just filthy nasty, nasty wealth. This was inspired by a conversation I had with a friend last week – who left me with the thought, you become who you hangout with. Think of the type of wealth you want to build – what does it look like and who’s already good and accumulating it. Hang around them, you’ll likely start talking, then thinking like them, then low and behold, you no start getting the result...

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 c...

_________________

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 partne...

This may explain why Central Banks worldwide have taken a keen interest in the environment, and Central Bank Digital Currencies or CBDC’s – I think we’ve 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...

_________________

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 partne...

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...

So if you do own crypto and more specifically Bitcoin, you may be tempted to throw in the

towel 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...

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 e...

______________

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 partne...

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 be...

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 hav...

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 hav...

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...

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...

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?

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 more

2 – We can take higher risk

3 – Or we can keep an open...

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...