DTI’s, CPI’s, Mortgage Rates & Property / Kelly Eckhold
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: This one’s free!
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 Social
TikTok: @theeverydayinvestor
Darcy Ungaro
Twitter: @UngaroDarcy
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it’s not financial advice, because there’s no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Listen to NZ Everyday Investor Podcast:
Tech and AI in Education with Julie McMahon (Grok Academy)
On this episode Paul Spain is joined by Julie McMahon (Grok Academy) as they discuss the impact of technology and artificial intelligence in education for 2024. They look at digital learning pathways, The role of AI, and the challenges teachers face. Julie also shares insights into the mission of Grok Academy to provide free digital technologies education in Australia and New Zealand, and bring digital technologies education to all.
Additional teacher support resource: AI 101 for Teachers | Code.org
Listen to NZ Tech Podcast:
DTI’s and the Property Floor for ’24, Ep 396 / Kelvin Davidson
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: This one’s free!
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 Social
TikTok: @theeverydayinvestor
Darcy Ungaro
Twitter: @UngaroDarcy
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it’s not financial advice, because there’s no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Listen to NZ Everyday Investor Podcast:
Exploring TradeWindow’s Digital Trade Journey – with AJ Smith and Mitchell Pham
In this episode, host Paul Spain is joined by TradeWindow CEO/Founder AJ Smith and CDO Mitchell Pham, as they delve into the world of tech and trade.
They discuss the challenges and successes of Trade Window, explore the process of digitalizing trade, and the resilience required for success in difficult times. Join the conversation as they talk about raising capital, AI integration, and the powerful role of trust in reshaping the flow of global goods.
Listen to NZ Tech Podcast:
The Bitcoin ETF Ep 395 / Konrad Hurren
A 1-10% allocation towards bitcoin may improve performance of an overall portfolio, without an out-sized increase in volatility. Read more here
US M2 FRED – https://fred.stlouisfed.org/series/WM2NS
Yield curve FRED – https://fred.stlouisfed.org/series/T10Y2Y
How 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.
_________________
Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: This one’s free!
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 Social
TikTok: @theeverydayinvestor
Darcy Ungaro
Twitter: @UngaroDarcy
________________________
Disclaimer: Please act independently from any content provided in these episodes; it’s not financial advice, because there’s no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Listen to NZ Everyday Investor Podcast:
Inflation and Interest Rates to Fall in 2024, Ep 394
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: This one’s free!
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 Social
TikTok: @theeverydayinvestor
Darcy Ungaro
Twitter: @UngaroDarcy
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it’s not financial advice, because there’s no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Listen to NZ Everyday Investor Podcast:
New Zealand’s Path to AI Victory in 2024
Join host Paul Spain (Gorilla Technology), David McDonald (BeingAI) and Justin Flitter (NewZealand.AI), for a great discussion on maximising the impact of Artificial Intelligence in New Zealand for 2024. They look at the evolving user experience, the potential for New Zealand to lead in AI innovation, education, and the need for informed decision-making in adopting AI technology.
Listen to NZ Tech Podcast:
Why Use A Reverse Mortgage? Ep 393 Keira Billot
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: This one’s free!
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 Social
TikTok: @theeverydayinvestor
Darcy Ungaro
Twitter: @UngaroDarcy
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it’s not financial advice, because there’s no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Listen to NZ Everyday Investor Podcast:
Property & Interest Rates in 2024 / Sharon Zollner, Ep 392
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.
Tired 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: This one’s free!
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 Social
TikTok: @theeverydayinvestor
Darcy Ungaro
Twitter: @UngaroDarcy
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it’s not financial advice, because there’s no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Listen to NZ Everyday Investor Podcast:
Faith ‘n Money: Jesus & Bitcoin / Ep 391 Alin Armstrong
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: The Bible and Bitcoin: Amazon.com
______________________________________
Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: This one’s free!
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 Social
TikTok: @theeverydayinvestor
Darcy Ungaro
Twitter: @UngaroDarcy
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it’s not financial advice, because there’s no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Listen to NZ Everyday Investor Podcast:
Copping flak: Rod Oram at COP28
The United Nations Climate Change Conference (COP28) closed last week with a notable first: an agreement to transition away from fossil fuels. Not quite the phase out most countries had wanted, and reflective perhaps of the influence of petrostates, including the host Dubai. Indeed, the chair is a head of an oil company, and the next COP is due to be held in Azerbaijan, another petrostate and much under the thumb of Russia.
Is COP a swizz? Can it be trusted to restrict the rise in global temperatures to 1.5 degrees?
Rod Oram was there reporting for Newsroom. Vincent spoke to him after the event.
Listen to the Podcast Here:
Peter Schiff: Why Gold Matters So Much Now. Ep 390
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 More
Watch 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: This one’s free!
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 Social
TikTok: @theeverydayinvestor
Darcy Ungaro
Twitter: @UngaroDarcy
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it’s not financial advice, because there’s no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Listen to NZ Everyday Investor Podcast: