BE CYBER CONFIDENT. BE CYBER SECURE WITH MATTHEW EVETTS (DATACOM) AND SEAN DUCA (PALO ALTO NETWORKS)
Need to get that Cyber confident feeling back after the hard-hit of Covid-19?
Join industry experts as they dive deep into the way organisations manage the impact cyber-confidence can have in the digital age.
This episode covers:
- COVID-19 pandemic brought into stark light the perils of unmanaged cyber-risk
- Attention on Cyber-wellness
- Impacts technology debt cybersecurity
Cybersecurity is a shared responsibility – the more systems we secure, the more secure all are.
Paul Spain is joined by Sean Duca (Vice President and Regional Chief Security Officer for Asia Pacific – Palo Alto Networks) and Matthew Evetts (Director Cybersecurity, Datacom) on this NZ Tech Podcast episode.
Special thanks to organisations who support innovation and tech leadership in New Zealand by partnering with NZ Tech Podcast:
Umbrellar Connect
Vodafone NZ
HP
Spark NZ
Vocus
Gorilla Cyber Security
Datacom
Palo Alto Networks
NZ Sales & Marketing Insider – Episode 10: Nathan James
Ben catches up with Renaissance ad man and Icebreaker Creative Director Nathan James on an incredible career and what he’s learned along the way. As a creative and producer, Nathan’s worked at some incredible creative agencies in London, Amsterdam, Stockholm and Auckland on powerbrands including Nike, Budweiser, IKEA, Coca Cola and many, many others. He’s also found time to keep on learning new skills and is a film maker, DJ and (allegedly) marine mammal medic! This chat runs the full gamut and is full of insightful tips.
Listen or Subscribe Free:
What’s a Woman Supposed to Do?
Kaye Maxwell was one of New Zealand’s top amateur golfers whose feminist outlook got her in trouble with golf administrators when she refuse to conform to the party line—whatever that was at the time. She quit New Zealand and headed overseas where she played and in time moved back to South Auckland, turned professional at a late age for teaching purposes, bought a farm, and converted it into a 9-hole course for women.
Listen now:
What’s Up at Gulf Harbour?
Gulf Harbour Country Club, site of the 1998 World Cup of Golf, and one of the most scenic courses in New Zealand, has been up and down. At one stage, members were forced to buy the club off its discredited owner. Our hosts talk with current Director of Golf, Frazer Bond, to find out where things are at today.
Listen now:
Warren Couillault / Bridging the Advice-Gap / Ep 158
A recent survey in the UK indicated around 30% of financial advisers will be retiring before 2025, a further 1/3 will be exiting in the next 10 yrs – so 6 out of 10 will be gone in the next decade. A survey from financial advice NZ conducted in 2020 showed that just over 50% of advised Kiwis say they are at least reasonably prepared for retirement compared to 26.4% of unadvised people.
So – less financial advisers, but clearly a better result occurs as a result of financial advice.
Digital advice, advice-only advisers, and decentralised finance will help create better outcomes for consumers of financial advice…eventually. Now though, those with smaller sums to invest, often don’t receive the same level of advice or service as those with higher amounts – why? Because in most cases, the fees you pay are a % of the amount that’s being invested on your behalf. There’s a lot of work and compliance costs involved in providing personalised financial advice, so this is why it’s mostly only efficient to provide advice for those who already have wealth, not those who are at the earlier stages of accumulation.
I caught up with today’s guest Warren Couillault, from Hobson Wealth, because I wanted to learn of the innovation that’s occurred and is occurring in the financial advice space.
Regulators, industry bodies, wealth managers, KiwiSaver providers, and financial advisers – all have a part to play to ensure financial advice is delivered to more Kiwi’s, irrespective of any competing agendas. If anything takes away from this goal, you need to question why, especially considering the outcomes of receiving advice are so positive.
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The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let’s you become a shareholder in the world’s biggest companies and funds. We’re talking about Apple and Zoom, Vanguard and Blackrock.
So, if you’re listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you… they’ll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more.
Just go to https://hatch.as/NZEverydayInvestor to grab your top up.
__________________________________________________________________
Like what you’ve heard?
You can really help with the success of the NZ Everyday Investor by doing the following:
1- Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.
2- Write a review on Facebook, or your favourite podcast player
3- Help support the mission of our show on Patreon by contributing here
4- To catch the live episodes, please ensure you have subscribed to us on Youtube:
5- Sign up to our newsletter here
6-Tell your friends!
NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
Please ensure that you act independently from any of the content provided in these episodes – it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.
If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link
News of The Money-World / Ep 6 / Gambling, or Investing, in Bitcoin?
Welcome to a short bonus series in addition to our weekly show. In partnership with Koura Wealth, your digital KiwiSaver provider, The NZ Everyday Investor is proud to present, News of The Money-World, a short, weekly show, about what’s happening in the finance world and how that affects you, the everyday Kiwi.
Bitcoin is an emerging new asset class desperately seeking validation in the eyes of the mainstream financial community…or perhaps it doesn’t actually care at all. Perhaps with crypto in general, it is what it is, but what it does to us, is more than most of us are ready for (myself included!)
Today, Rupert and I discuss the tensions between the ‘already’ and the ‘not yet’. Bitcoin, and the neighbourhood in which it comes from, has the very real potential of flattening the status quo given enough time – this is a war make no mistake. However, the winners today, could be the losers tomorrow – Enjoy the show!
Teaching 50,000 Kiwis how to cook Asian food
Sachie Nomura came to New Zealand after graduating high school, mainly to speak English. What was she most surprised with on coming here? She says, “I was surprised with the size…not of the country but with the size of vegetables here. In Japan, a capsicum may be the size of an egg while here it’s more like an apple!”
Sachie’s journey in entrepreneurship started rather serendipitously while she was working in hospitality sales. She went in one morning and learned of a colleague that had passed away from a heart attack at just 45. That same afternoon she heard of another friend that also passed away. “It was a lightbulb moment. If I die tomorrow, will I have any regrets? I went back home and drew a mind map. What do I love – food, what do I enjoy doing – I love cooking and sitting with others to eat, what skills did I have – I know how to cook Asian food really well. So I thought, that’s it. I will teach those who love Asian food how to cook it. It’s in my kitchen so I will call it Sachie’s kitchen and so it began.”
It has now been ten years since that day and Sachie’s Kitchen has gone from strength to strength. It is now one of the most-awarded cooking schools in Australasia. To date, more than 50,000 New Zealanders have been through Sachie’s Kitchen with millions more watching her demonstrations on the small screen – her television show is broadcast in over 35 countries.
Her classes appeal to individuals with a passion for Asian cooking and also corporate teams who book events that cover Japanese, Thai, Vietnamese, Malaysian, Chinese, Indian & Korean cuisine. Sachie has gone on to launch her own range of branded food products nationwide and is now exploring virtual cooking classes as well.
Listen to the Podcast Here:
Favourite quotes:
Growing up for me, food = people
When I opened the door to Sachie’s kitchen in Parnell I had to really think of how people would find me and know about my kitchen. For me, the answer was media. So, I wrote it down on my mind map. I wrote TV, radio, magazine. And the law of attraction took over. When I write things, it attracts opportunities in my life. Over the next two weeks, my husband bumped into someone that ran a radio station and I got onto the radio. Same for my TV show, I wrote it down and then one day, the producer came through the door.
Opportunities are always around you. They are ready, for anyone to grab. But if you’re not ready, you will not see them. You will miss the boat.
In front of my computer, I have a wall where I have a mind map. I write on it opportunities I want to attract, where I want to be and then I transfer it into my yearly calendar and then it does just happen.
Transport policy just went off the rails: WTF? Paul Winton, 1point5
Transport represents almost half of CO2 emisisons in NZ. In Auckland, its higher, at 67%. After agriculture with our burbing cows, transport is the most imporant sector to decarbonise. Yet the just published 10-year plan for Auckland predicts a 6% increase in emissions by 2031. Critics have called the plan ‘baffling’ – at odds with the council’s commitment to halve emissions by 2030. The report is one of many transport policy documents up for discussion, all promising to lower emissions and shift us out of cars and trucks. To explain what’s going on, why transport planning seems so contradictory and what still needs to be done, Vincent talked to emissions expert Paul Winton, from 1Point5.org.nz
Hear the Podcast Here:
Read the Regional Land Transport Plan here
Visit 1point5 here
Stablecoins in a changing new world / Ep 156
There are opportunities right now for people in tech / crypto / media / and mainstream financial services to innovate like never before. This innovation will occur on rails that will hold the trains coming to flatten the status quo standing in the way.
Join me today as I take leap and continue to learn more about the neighborhood in which Bitcoin lives.
I’m increasing getting the sense that the world of finance is going to go through an incredible transformation, which will happen much faster than we can all imagine. There are opportunities right now for people in tech / crypto / media / and mainstream financial services to innovate like never before. This innovation will occur on rails that will hold the trains coming to flatten the status quo standing in the way.
Paul Quickenden from Techemy and Adam Dodds, from Techemynt, are my guests today, along with co-host Paul Spain from the NZ Tech Podcast. What is a stablecoin, and what problem does it solve were the two main questions I brought to the recording today – but during the show I couldn’t help but think that this could be the start something pretty amazing.
Stablecoins have their place already when it comes to rebalancing crypto portfolios and completing transactions quicker than they could be done before, but again, this is only the start of what’s to come. I say that not knowing exactly what’s coming down the pike either – all I can see so far, is a whole bunch of stuff that seems to do the things of traditional finance (thigs like saving, borrowing, investing, creating markets, innovating), way faster, at a lower cost, and in a manner which many mainstream people may soon come to trust.
Stablecoins are going to be used as a fundamental building block by those developing and innovating in financial services going forward– all it is really, is part of a bridge – a bridge in between the current and the new – some say it’s a bridge to nowhere, others, a bridge too far. I personally don’t think it’s a bridge over the river KWAI, but it’s certainly a bridge over troubled waters.
_____________________________________________________________
The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let’s you become a shareholder in the world’s biggest companies and funds. We’re talking about Apple and Zoom, Vanguard and Blackrock.
So, if you’re listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you… they’ll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more.
Just go to https://hatch.as/NZEverydayInvestor to grab your top up.
__________________________________________________________________
Like what you’ve heard?
You can really help with the success of the NZ Everyday Investor by doing the following:
1- Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.
2- Write a review on Facebook, or your favourite podcast player
3- Help support the mission of our show on Patreon by contributing here
4- To catch the live episodes, please ensure you have subscribed to us on Youtube:
5- Sign up to our newsletter here
6-Tell your friends!
NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
Please ensure that you act independently from any of the content provided in these episodes – it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.
If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link
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A chat with the FMA / Fees, Performance, and Risk / Ep 154
Fees, performance and risk – all relevant for investors, and fund managers, to keep front and centre. Today, I’m speaking with Paul Gregory from the Financial Markets Authority.
Investing can seem a bit daunting, but you know that in order to preserve the value of what you’re able to save, you need to invest – if not for the simple reason that if you don’t, the currency you’re stashing away, will lose purchasing power over time due to inflation.
As most of us focus on the how and the what when it comes to investing, it’s important to understand the nature of risk as you move further away from savings accounts, debt reduction, and term deposits as your lower risk, mainstay investments of yesterday. Investing can quickly become a bit more involved, and in order to make the most of it, you need to understand some of the language that goes along with this territory.
Now depending on where you’re at with your investing journey, you’ll likely be involved with some sort of managed fund. All a managed fund is, like KiwiSaver, is simply a pool of money that you contribute to, along with other investors, that get’s invested on your behalf by the manager.
My guest in this episode is Paul Gregory from the financial markets authority (the FMA)– he’s responsible for the FMA’s strategy and approach to investment management providers (aka fund managers). You could think of the FMA as a sort of referee – if you want to play the game of investing, you’ll likely appreciate the fact that some of the risks come from the volatility in the market itself, and some of the risk occurs if there’s a mismatch between the investment, and the investor. While the FMA isn’t there to help you make the best investment decisions you can make, they are there to ensure that financial advisers and fund managers are operating with a high degree of integrity – all with the goal of reducing some of the risks that exist our there.
For further information around the FMA’s activity recently:
LookSee campaign – encourages investors to make sure their KiwiSaver is on track when they receive their annual statement. We will soon relaunch this campaign
KiwiSaver retirement projections: Case Studies
KiwiSaver Tracker – compare the performance and fees of all KiwiSaver providers over 5 years
The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let’s you become a shareholder in the world’s biggest companies and funds. We’re talking about Apple and Zoom, Vanguard and Blackrock.
So, if you’re listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you… they’ll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more.
Just go to https://hatch.as/NZEverydayInvestor to grab your top up.
____________________________________________________________
Like what you’ve heard?
You can really help with the success of the NZ Everyday Investor by doing the following:
1- Follow @darcyungaro on Clubhouse.
2- Write a review on Facebook, or on your favourite podcast player
3- Help support the mission of our show on Patreon by contributing here
4- To catch the live episodes, please ensure you have subscribed to us on Youtube:
5- Sign up to our newsletter here
NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
Please ensure that you act independently from any of the content provided in these episodes – it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.
If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link
Willy Woo: Bitcoin / Beyond the Moon / Ep 150-151
Episode Summary
Willy Woo, originally from Nelson, NZ, but now based in Hong Kong, is the one of the world’s best know ‘on-chain’ Bitcoin analysts.
Follow Willy on Twitter: @woonomic
I recommend Easy Crypto for any Crypto buyer based in NZ (as mentioned in this show)
The economic revolution will not be televised – partly I suppose, because it’s old news – and perhaps it wouldn’t get good ratings. In 2009 however, when Bitcoin came on the scene, you likely wouldn’t have guessed it was the start of a revolution…but in many ways, it was. For so called fanatics out there that believed in being free and living in a democratic fashion, Bitcoin was the ultimate gift – the fact that by owning it, you were casting a downvote for the status quo made it all the more satisfying.
The financial markets aren’t boring, but they sure can be complicated. Thinking about investing on your own, even taking out insurance – you quickly realise that often the complexity has been baked into the product, or there’s at least a general trend for complexity over time. Along comes Bitcoin, a finite piece of cryptography lingering on the internet, open to all who want to peer into it’s inner workings.
We’ve observed a sharp increase in accessibility to investing over the last few years, yet some would say we haven’t observed more transparency. We can all get involved yes, but there’s a growing sense that everyday investors aren’t really playing with the full deck of cards. So along comes Bitcoin, and it’s there for anyone with internet access – it appears to be less opaque than the current financial system for many people, and it’s most certainly going to appeal to the libertarians among us. Still, some would suggest Bitcoin is [still?!] a Ponzi scheme that relies on a greater fool always being around to buy it off you in the future. Much like I wouldn’t suggest investing in the S&P500 is a Ponzi scheme though, I don’t think holding this crypto-asset would be either – perhaps during the first bull market you could be forgiven for thinking this was another Tulip bubble, but not now. In fact, people who still cling to the idea that Bitcoin is a scam, the government is going to shut it down, or that there’s no intrinsic value at all, most likely don’t own any of it. For these people, the statement they’re trying to make was that if it was any good, they’d already own it. #ignorantarrogance
So today we’re, talking to Willy Woo about his background – how he came from Napier in NZ and how now, he’s considered one of the finest Bitcoin on-chain analysts in the world. The traditional financial system is perhaps fine – perhaps all will return to normal and things will carry on much as it has for decade. On the other hand, perhaps Bitcoin is the first battle by resistance fighters against our imperial overlords being fought right now in the financial realm.
The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let’s you become a shareholder in the world’s biggest companies and funds. We’re talking about Apple and Zoom, Vanguard and Blackrock.
So, if you’re listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you… they’ll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more.
Just go to https://hatch.as/NZEverydayInvestor to grab your top up.
____________________________________________________________
Like what you’ve heard?
You can really help with the success of the NZ Everyday Investor by doing the following:
1- Follow @darcyungaro on Clubhouse.
2- Write a review on Facebook, or on your favourite podcast player
3- Help support the mission of our show on Patreon by contributing here
4- To catch the live episodes, please ensure you have subscribed to us on Youtube:
5- Sign up to our newsletter here
NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
Please ensure that you act independently from any of the content provided in these episodes – it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.
If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link
Passive Investing with KiwiSaver / Rupert Carlyon
While KiwiSaver isn’t complicated to operate, there’s a few moving parts so to get the most out of it, regular reviews ensure you’ll arrive at retirement well resourced.
In today’ show, Rupert Carlyon is going to walk us through how KiwiSaver works behind the scenes. Rupert is with Koura Wealth ,a KiwiSaver fund manager – a fund manager makes investment decisions on behalf of members (that’s you and me).
Average balances have been increasing gradually over time, and so we’re all trying to figure out how to optimize our returns – this is where the style of the fund manager can make a big difference. So what do we mean when we talk about management style.
Well broadly speaking, there’s two camps here – one is passive management and the other active.
Passive has a systematic and strategic approach that relies heavily on the assumption that markets are efficient, so you wont have access to information that will give you an edge, especially in the long run -the best strategy therefore is to continually invest across a diversified selection of assets such as cash, fixed interest, property and shares.
Active is a bit different – the assumption with active here are that markets are not indeed efficient, and therefore you can make tactical investing decisions in an attempt to beat the returns the market would give you on it’s own. Is one right and the other wrong? Will one style work well in a rising market compared to another in a flat market? Is the market still inefficient in some areas, but they’re just different areas than they were in the past?
So many questions – and we’re going to answer some of them today.
As mentioned, active and passive have their place, but to a large degree this depends on how you’ve constructed your investment portfolio elsewhere. The fund that you invest in via KiwiSaver, can be managed in a passive style, but that doesn’t mean that you as an investor need to have a 100% passive strategy. Perhaps you tactically respond to changing market conditions by changing the mix of your passive funds. On the other side, perhaps you passively invest through some active fund managers – you’re being strategic in how you contract out the active management you want.
The main point here, is that from an investors perspective- from your perspective, you may be the active fund manager. Perhaps you work with a financial adviser to actively manage your overall portfolio or you do it on your own – if that’s the case, do you really need to have an active KiwiSaver fund manager as well? It really does depend.
The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let’s you become a shareholder in the world’s biggest companies and funds. We’re talking about Apple and Zoom, Vanguard and Blackrock.
So, if you’re listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you… they’ll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more.
Just go to https://hatch.as/NZEverydayInvestor to grab your top up.
____________________________________________________________
Like what you’ve heard?
You can really help with the success of the NZ Everyday Investor by doing the following:
1- Follow @darcyungaro on Clubhouse.
2- Write a review on Facebook, or on your favourite podcast player
3- Help support the mission of our show on Patreon by contributing here
4- To catch the live episodes, please ensure you have subscribed to us on Youtube:
5- Sign up to our newsletter here
NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
Please ensure that you act independently from any of the content provided in these episodes – it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.
If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link
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