It's No Secret

In this week’s episode of Money Moments, we chat with Ravi Chand, Operations Manager at Lighthouse Financial. Ravi shares his money habits and the journey that got him to where he is today.

Specifically, we discuss:

• The money mindset(s) he uses daily to manage his lifestyle
• What money habits he’s proud of (and a few he’s embarrassed by)
• How he found a creative way to get on the property ladder with his first home
• What retirement looks like for him in the long term

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Today, we’re back with another Money Moments episode, where we chat with real Kiwis about their experiences with money. In the hot seat today is Sophie Hurley.

Sophie is a farmer, mum, and the founder of Honest Wolf, an ethical New Zealand luxury wool brand. Recently, she was honoured with the 2023 Supreme Award and Emerging Business Award at the Rural Women NZ Business Awards. She and her husband have also been featured on Country Calendar.

We dive into Sophie’s journey, exploring how she built Honest Wolf into the brand it is today.

In this episode, we cover:

• How her background in marketing and sales influenced the development of Honest Wolf.
• What inspired her to start Honest Wolf and how the brand has grown since its inception.
• How the declining price of wool has affected traditional wool farming.
• What factors she considered before opening a physical store in Hunterville, and how she manages its costs versus benefits.
• How she navigates the seasonal nature of fashion while maintaining Honest Wolf’s sustainability values.
• What strategies she has employed in pricing her products and managing manufacturing costs.
• Insights into her plans for international expansion, especially the move into the Australian market.

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

In this week’s episode, we chat about something near and dear to many Kiwi investors—investment property!

When it comes to investing, many Kiwis often default to the dream of owning multiple properties with the hope of benefiting from capital gains and that sweet rental income. 

But are investment properties the only way to set ourselves up for financial success? More importantly, will this obsession with investment property continue given the current rules and regulations?

Tune in with Kernel founder and CE, Dean Anderson, as he answers this question and more!

In this episode, we discuss:

•  Why most Kiwis often default to investment properties as their primary investment
•  Whether we can expect investment properties to be as lucrative in the future as they once were
•  Alternative investment options available for those just out of reach of the property market
•  The pros and cons of alternative investment options

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

In this episode of Money Moments, Christine catches up with Dean Anderson, the founder and CE of Kernel.

It’s been two years since Dean last appeared on the podcast, so we thought it was the perfect time for him to update us on both his professional journey and personal milestones.

In this episode, we discuss:

• The toughest and most rewarding aspects of running Kernel
• Significant personal and financial changes Dean has experienced in the last two years
• What drove Dean’s decision to re-enter the property market
• The importance of maintaining an emergency fund and having health insurance
• Dean’s long-term vision for Kernel and what’s next after reaching $1 billion in assets under management

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Today, we dive into some of the costs of university education and weigh the pros and cons to help you make an informed decision. 

Please note: that this episode is not about convincing you one way or another but to chat about the factors that might sway your choice from a financial standpoint.

In this episode, we cover:

• What our university experience was like
• A rough ballpark of the cost of obtaining a bachelor's and a postgraduate degree, including living expenses.
• The pros and cons of going to university vs not
• If employers are actively looking for degrees when deciding who to hire

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Today we’re back with a Money Q&A - where we answer questions submitted by you, the lovely listeners of the pod.

In this episode, we answer these two questions:

• Should I borrow money to invest in a business? 
• I have $5,000 left on my student loan should I pay it off?

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

The last week (5-9th August 2024) has been a volatile time in international sharemarkets. As investors, it can be easy to read dramatic news headlines about and react to them, so we wanted to take the chance to chat through specifically what happened in the sharemarkets, and what this means for you as the everyday investor. 

To share insights and provide further context, Christine is joined on the podcast by Rhea Prasad, Portfolio Manager at Kernel. 

More specifically, we chat about: 

• Why the Japanese stock exchange dropped 12% in one day
• The impact of this drop on the wider sharemarkets, e.g. the S&P 500 Index
• What market volatility is 
• Key investing reminders in times of volatility 

Please note: This podcast is not to be taken as financial advice. Past performance is not an indicator of future performance.

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

This month is Money Month in New Zealand, an annual campaign by Sorted (Retirement Commission) to raise awareness about money, and help Kiwis improve their finances.

Knowing where to start with your money can often be the trickiest part, so today's episode covers 5 simple actions you can take this Money Month to improve your financial situation - from taking stock of where you're at right now, creating disposable income to understanding your KiwiSaver balance better.

Tune in now to hear the full chat - money tips and lots of tangents from Cat & Christine.

Links & resources mentioned in the episode: 

• Sorted's Money Month webinar links: https://sorted.org.nz/money-month-webinar-registration?__hstc=8481002.d90e5b09e7f2fa70e3f63bbdf1a087cf.1722383733774.1722383733774.1722461516927.2&__hssc=8481002.1.1722461516927&__hsfp=1475616501
• Sorted's KiwiSaver guide: https://sorted.org.nz/guides/kiwisaver/kiwisaver-which-fund-suits/
• MoneyHub net-worth stats: https://www.moneyhub.co.nz/average-new-zealand-net-worth-by-age.html
• Ramit Sethi's conscious spending plan: https://www.iwillteachyoutoberich.com/conscious-spending-basics/

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

In today's podcast episode, we’ll be chatting with you about the key drivers behind people choosing their investment style. 

The active vs passive investing strategies have been hotly debated for a long time. But how do you convince someone that one is 'better' than the other without just spitting out facts? More importantly, what are the underlying factors for choosing one over the other? Tune in to find out!

Specifically, we chat about:

• How you can convince someone to use index funds without using numbers
• What made us switch to an index fund and why we've chosen this strategy
• Why an average market return is really above average when it comes to investing
• What is it that connects with you that makes you decide one style over the other

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.

In this episode, we're joined by loyal podcast listener, Elise Dalrymple-Keast, who went from working 6 part-time social media jobs during university to building a digital marketing agency with a team of 7 and generating millions of dollars in revenue for clients — all in 4 short years. Today, we get to hear about her journey with money. 

Specifically, we chat about: 

• Key money moments in her early life such as saving up to buy a puppy at 10 years old!
• The percentage of income that she saves and invests 
• How she became a property investor how she started her marketing agency in her early twenties
• Why she loves spending money on her health and prioritises it

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.