Nz Everyday Investor

To choose the best time to lock in your mortgage rate, you need to get three things right:How much will rates change?Which direction will rates go,and when will the rates change.It may seem like a lot of work, but think of the potential reward - if you timed it right at the bottom of the interest rate cycle, you would still be paying less than 3% with almost two years to go. Read more here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww

Part 2: Mortgage Strategy 2024 / CHA$ING THE JONE$E$Have time on your hands? You're more likely to engage in low-value activities. Net immigration is high? Expect higher rents and house prices later on. Too much new credit creation? Watch interest rates fall first (price of money falls with higher supply), then watch them rise? New money supply hits asset values first, then the things we need for living. Credit growth can't outpace the production of more 'stuff' (GDP) because then, inflation.Ready to catch up and review your own mortgage? Make a time with Darcy here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click o

Is the ‘real’ cost of pursuing a 'secure' retirement quantified by NOT pursuing the upgraded kitchen today?The trick for individuals and as a collective is to optimise over both time zones of today, and tomorrow: 'The already and the 'not yet'.The government's the same: Optimise for long-term economic growth, or address the social needs of today?Ready to catch up and review your own mortgage? Make a time with Darcy here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroL

Optimism is returning to the market as interest rate drops may be on the horizon. The bottom may be in - it's early days and we're not out of the woods yet, but those thinking of selling this year, or buying, should pay attention to the pieces falling into place.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesE

A 1-10% allocation towards bitcoin may improve performance of an overall portfolio, without an out-sized increase in volatility. Read more hereUS M2 FRED - https://fred.stlouisfed.org/series/WM2NSYield curve FRED - https://fred.stlouisfed.org/series/T10Y2YHow to take self custody step by step article written by kiwis for kiwis - https://kiwibitcoinguide.org/articles-and-guides/how-to-set-up-a-bitcoin-wallet-and-buy-your-first-bitcoin-for-beginners/Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy Crypto______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get So

Interest rates may be Higher for longer, or we may transition into an age of abundance. In the meantime though lower interest rates for 2024 is likely what we’re getting. The US Fed Indicated this late last year, and the RBNZ will likely follow suit– we’ll know in a couple weeks. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these li

How do we solve the equity rich, cash poor dilemma? Option one involves selling the home and downgrading in price to release a pile of cash to live off of. Option two, which is the subject of today, involves taking out a reverse mortgage.Today I’m talking with a Keira Billot, General manager of retail banking  at Heartland Bank.Keen to find out more about reverse mortgages for your situation? Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Check out the episode done with the other reverse mortgage provider in New Zealand here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeveryd

Sharon Zollner became the Chief Economist with ANZ in late 2017. She started her career as a macroeconomist at the Reserve Bank of New Zealand in 1998, and has also worked at the Central Bank of Norway. Sharon created the Truckometer in 2012, which is an indicator that can be helpful in painting a picture of true economic activity within the country.Read article hereTired of missing out on early release podcasts? Sign up to the newsletter!______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramY

Our political worldview, our childhood, and our Instagram and LinkedIn feeds can often make it hard to see things as they really are. Ps Alin Armstrong, aka Pastor Coin on X, is my guest today – Be it bitcoin or Jesus, if you’re unsure, do your own research on both.I trust many of you will enjoy this one today - so let’s get started. Oh, and Merry Christmas everyone! Read More.If you'd like to purchase Ps Alin's book btw, you can find it here: https://a.co/d/0r4s2Yk______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeve

There are some who believe that under a gold-backed currency, governments would have to earn money, just like the rest of us do. That means they’d have to learn fast how to be efficient with how they spend, and bring in revenue. To create genuine reform in our government and to pretty much eradicate poverty in the long term, we need to limit the role of government.Here’s the short view of this worldview – if we can fix the money, we fix the world. Read MoreWatch YouTube Video as mentioned by Peter in the show.Special shout out to GOLDIE, for for fractionalised real world asset exposure, like physical gold!*______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with

Orange-pilled Canadians like hash rates, donuts, and occasionally loud shirts. Today, we’re learning where digital money comes from, and how to literally create wealth the digital world. Read more.Read the Fidelity report here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months

To understand wealth better, we need to learn more about money, and how it could evolve in the future.  Today we’re going to speculate on how we may one day invest in property, shares, and use a new type of leverage using AI in a future state of the internet called Web 3.0.Today, I’m talking with Bryan Ventura. Bryan is a seasoned funds and financial services lawyer with a deep understanding of fintech, blockchain, and Web 3.0. Bryan’s expertise covers corporate and commercial law, startups, venture capital, mergers and acquisitions, investment products, property, and, trust me, so much more.Follow Bryan on https://www.linkedin.com/in/bryan-ventura-4a61a8115/and visit https://hamiltonlocke.com.au/our-team/bryan-ventura/______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks t

In New Zealand recently, for example, we’ve seen a new government come to power who’ve decided to restore some of the tax rules that made property investment a viable asset class in the past. We’re also getting much-needed tax cuts, which may offset the pain from inflation for those carrying the biggest load. Our central bank is being given a much more narrow and simplified mandate—focus on inflation. How good is that They'll soon have one job to do – So there’s hope that both the RBNZ and the government will do a better job of dealing with inflation in the future. As investors, this means more stable interest rates. It’s about confidence. Read moreThanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspec

We diversify our portfolio's to lower volatility. In the same way, we should diversify our thoughts to reduce risk. The world is changing fast. Technology, geopolitics, the environment, and society are all shifting. How can we adapt and thrive? How can we prepare for the risks and opportunities? Read moreCheck out the last episode with Dr Reuben Steff here.Check out some of his recent publications here(2023) 'The Strategic Case for New Zealand to Join AUKUS, The Diplomat, https://thediplomat.com/2023/04/the-strategic-case-for-new-zealand-to-join-aukus/ (2022) 'Great Power Politics: The US-China Balance of Power in Transition' in (ed.) Aiden Warren, Global Security in an Age of Crisis (Edinburgh University Press)(2022) 'The Fate of the Indo-Pacific: Lessons from Ukraine and US Diplomacy Towards Taiwan', 9DASHLINE, https://www.9dashline.com/article/the-fate-of-the-indo-pacific-lessons-from-ukraine-and-us-diplomacy-towards-taiwan(2020) Emerging Technologies and International Security:&nb

CHA$ING THE JONE$E$In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success you're chasing. Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.______________________________________Check out some online courses!Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialUGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDa

Talk to Ungaro & Co about investing in bitcoin with a portion of your KiwiSaver, without high fees *Check out Daniel's book, Actionable Ethics and subscribe to the Daniel Natal Show here. Sign up to the newsletter!*Based on the only other provider that has exposure to bitcoin, the ethical provider we use charges lower fees. Based on a more correct view, bitcoin actually helps transition out of fossil fuels. It also rewards us for thinking long-term about things that really matter. Wealth, not war...with bitcoin you can save the world by fixing the money.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this li

Simone Anderson, a social media influencer and entrepreneur from New Zealand. Simone shared her incredible weight loss journey, which she turned into a successful book, blog, and brand. She also revealed her passion for beauty and fashion, and how she uses them to press herself and inspire others. We also discussed how we, as investors, can think differently about building wealth, and what lessons we can learn from Simone’s story. I hope you will find it informative and enjoyable. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayi

If our behaviours are the end state, before that was a tactical decision around what actions would be engaged in to invest. That ties into a strategy, which comes about after considering what the best approach would be to achieve your goals. How did the goals get there? Well, chances are, there’s something about you that's unique. Each of us has a 'special mission’ if you like – in fact, without occasionally considering our purpose, even though we achieve our goals, we’re never happy. Ready to tackle your own strategy? Learn more here.Check out the article here.A special thanks to our guests Maryanne Spurdle, and Tim Wilson. Check out Maxim Institute here. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darc

Chasing the JonesesToday, I really just wanted you to know that no matter what kind of investor you are today, you can become a different investor tomorrow. The results you have today, now matter what they are, likely stem from a set of skills. If you want better or different results, you’re going to need different skills. I believe from the bottom up – micro first, we should be improving as investors all the time by bringing more of who we are to the table. That’s what this podcast series is about. On a Monday I tackle it from the top down, macro first – somewhere in the intersection between what you can control, and what you can’t, sits the opportunity for you to develop the skills you need to get to the next level.In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success

Unelected, ideological economists using outdated economics have, in my opinion, over the past 3 years set in motion a chain of events that will cost billions to fix. Considering we can’t vote for them, we should be critical of them. Read more here. Michael Reddell [www.croakingcassandra.com]is a former economist at the Reserve Bank of New Zealand and a current economic commentator and blogger.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcy