Should I pay off my mortgage or invest in KiwiSaver? Book a Free appointment with Ryan   If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To Ryan's Weekly Newsletter                             Find Ryan On Social Media                             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge

Everything's going well now but what happens when it isn't? Who gets what? Click to book your free consultation. Book a Free appointment with Ryan   If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To Ryan's Weekly Newsletter                             Find Ryan On Social Media                             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge

Quick Fire Finance of the day: "We’re a couple nearing our 70s, have a mortgage-free house and most of our savings in our own independent KiwiSaver accounts. The thing is both accounts are with the same bank. I say this is an “eggs in one basket” scenario and one of us should change. My husband (and the bank’s financial adviser) says it’s all diversified anyway and we don’t need to. What do you think? It might help settle this running topic between us. We’re aged 64 (retired) and 67 (still working). We’d like to maximize our KiwiSaver returns over the next five years. Despite visiting our provider’s website and sorted.org.nz, I am a little confused as to which numbers to use in my decision making. Our current PRRs (personal rates of return) are 8.16 per cent (in AMP’s Conservative fund) and 8.5 per cent (half in the Conservative fund and half in the Moderate fund). They are for the year ending December 6 2019. AMP says the PRR “calculates your investment percentage return based on the opening balance, the cash flows (eg contributions, withdrawals etc) in the account and the closing balance for the period. The personal rate of return is before tax and net of fees.” Online, the KiwiSaver Fund Finder on sorted.org.nz tells me that the Conservative Fund return for the year ending September 2019 is 5.19 per cent, and for the Moderate Fund it’s 5.34 per cent. So my question is, should we change providers based on Sorted’s relatively low figure for our current provider, or should we consider our PRR as being reasonably good?" Source: DECEMBER 21, 2019 NZ HERALD Q&A COLUMN Book a Free appointment with Ryan   If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To Ryan's Weekly Newsletter                             Find Ryan On Social Media                             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge

Couldn't I just sell my house and retire early? Am I missing something? Book a Free appointment with Ryan   If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To Ryan's Weekly Newsletter                             Find Ryan On Social Media                             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge

Kate Ross - "An accomplished entrepreneur and innovator, I have achieved 20 years of successful leadership in the recruitment and talent management sector. I founded Kinetic in 1997, and was able to rapidly grow it into a thriving national business due to the provision of superior services to both clients and candidates. Kinetic has offices in Auckland, Tauranga, Wellington and Christchurch, and has been recognised with several ‘excellence in recruitment’ awards. Adept at innovating to meet market opportunities, I founded Swivel Careers in 2009 (originally called Whr24U) having recognised that student candidates at Kinetic were often lacking in career direction. I founded Wise Ones in 2017 in response to the under-utilisation of the growing number of older workers; Wise Ones is now enabling their experience and talent to be matched into suitable roles. Commercial success has been facilitated by developing high-performing teams within these businesses. I lead by example and live the core values of honesty, loyalty, directness, ethical practice and hard work. I am motivated by making a difference, and driven by the belief that everyone has the talent to take their place in the workforce, and in doing so, support their personal development as well as positively impact their families and communities. Described as an inspiring leader, blending ambition, resilience and compassion, I am particularly proud to have supported numerous women in their roles and careers. Having chaired the Friends Committee of King’s School, I subsequently served as a King’s School Board Member for five years until 2016. I am interested in governance opportunities and wish to bring my skills and strategic thinking to directorships in the private sector."  Book a Free appointment with Ryan   If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To Ryan's Weekly Newsletter                             Find Ryan On Social Media                             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge

Greg is the founding Director of Financial Planning NZ Ltd, now known as OnePlan, and he was responsible for the company's creation. After graduating as an Accountant in 1975, Greg was employed in a number of accountancy-related roles before joining the NZ Police in 1980. Whilst there, he studied law at Auckland University. He left the Police in 1984 to teach accounting at the University of Auckland and to complete his law degree. In 1986, Greg joined the Department of Justice as a senior investigating accountant in the corporate fraud unit. He joined IPD Securities in 1987 as a senior financial planner, and over the next five years he became that company's most successful adviser. In 1992, Greg was selected as financial planner of the year, and in the same year he left IPD Securities to carry out a long-cherished goal of establishing his own practice Greg taught accounting at the University of Auckland and Unitec from 1984 to 2012. He is a member of Financial Advice New Zealand and is both a Certified Financial Planner (CFP) and a Certified Life Underwriter (CLU). He has been an expert witness for both court and disciplinary matters relating to the giving of financial advice. He has always been, and continues to be, actively involved with a myriad of charity and community organisations and projects. He is a Past-President of the Rotary Club of Downtown Auckland (2004/2005), former Chair of the Western Bays Community Board (1989-91), and Past-President of the Mt Albert Grammar School Old Boys’ Association. He was a Trustee of the Leukaemia and Blood Cancer Society for 20 years and was a Director of Radio Lollipop for 10 years. He is currently on the Heart of the City Board of Trustees. Greg is still active in Rotary and was selected to lead the Rotary District 9920 GSE Team to Chile in 2009. He was an Assistant Governor of D9920 between 2012-2014 and has been Chair of the Mt Albert Grammar School Board of Trustees since 2006. He retired as a Major in the 3rd Auckland (Countess of Ranfurly’s own) and Northland Battalion of the NZ Army. During his 37 years’ service he has been awarded the Efficiency Decoration (ED) bar and clasp; and has deployed to the Solomon Islands (2005) and East Timor (2006), as well as an attachment with the British Army in 1983. Greg a founding Trustee and past Chair of the NZ Memorial Museum Trust - Le Quesnoy and is actively involved in the establishment of the Museum and Visitor Centre in the French town of Le Quesnoy, the scene of the last battle of WW1 involving the NZ Division. He was an Auckland City Councillor, representing the inner-city Western Bays Ward, and was Chairman of the Auckland City Arts, Culture and Recreation Committee prior to the amalgamation of the Auckland City Council. He is also a former member of and was Finance spokesperson for the Waitemata Local Board between 2010 and 2016. After many years in the financial planning industry, Greg still enjoys helping people to help themselves and is a firm believer in New Zealander's need to plan to ensure their future financial wellbeing. Greg believes he can provide this security to his clients by assisting them to adopt a sane, sound, sensible approach to the creation and protection of wealth.

Could nationalism affect your financial future? It’s very natural for people to gravitate towards what they know instead venturing into the big wide world of the unknown.  Choosing to put all their money into the country they love.  New Zealand, as good as it is, will never provide the diversity you need to live the life you want on it's own.  You need to spread the risk internationally.   Don’t believe me? Check out this report from Dimensional Funds: https://www.dimensional.com/us-en/insights/why-should-you-diversify Book a Free appointment with Ryan   If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To Ryan's Weekly Newsletter                             Find Ryan On Social Media                             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge

Where we see the podcast going, our plans for the business and how we plan to revolutionise the financial space. Book A Free Appointment With Us

Cryptocurrency and blockchain could very well be one of the most important inventions of our generation. The streamline efficient way of which it processes transactions is second to none. The transparency, smart contract capability, and platform is akin to the invention of the internet. This however isn’t telling the full story. From 2000 to 2003, every company with a dot com on the end of it was picked to ‘go to the moon.’ Prices skyrocketed, companies with no business even being open were flourishing and everyone felt they were ‘picking the next internet winner.’ The technology wasn’t in question, but the companies were. In this case the companies are now called ‘crypto.’ The technology is revolutionary but will crypto currency be the next Amazon or will there be another use for the innovative technology. This is what we do not know and if the 6.4 trillion dollars people lost during 2000-2003 tells us anything it’s that speculative investment decisions tend to hurt more than they help.  Book a Free appointment with Ryan   If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To Ryan's Weekly Newsletter                             Find Ryan On Social Media                             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge

Simplicity is the flavour of the month with it's low fees and high returns but is that telling the whole story?  Book A Free Consultation

Have you ever wondered what it's like behind the scenes of New Zealand politics? Nows your chance.  Book A Free Appointment With Us   

Quick Fire Finance Of The Day: "I am 48 and having recently divorced, I’m starting over. My husband and I owned no property together, so there were no assets to divide. I’m now starting from basically nothing and contemplating how to build a financial future. To that end, I am on my way to saving $50,000 within the next two years. I am also in KiwiSaver and have minimal personal debt. Should I use my savings plus my KiwiSaver (which I believe I can do as I’m starting over on my own) as a deposit on a house? Or is it better to forget that idea (I live in Auckland) and keep the money in KiwiSaver, and use the savings to grow a bit of wealth some other way? I’m aware that if I use my KiwiSaver (currently sitting at about $50,000) it’ll go back to zero and I’ll have to build it up again, which might not be smart at my age. On the other hand I am in stable, well-paid employment and I plan to keep working as long as I can — at least another 20 years. The idea of owning my own small house or apartment has a lot of appeal, but would it be the most sensible use of my hard-earned savings?" If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                      Get A Free Book and Subscription To Ryan's Weekly Newsletter                       Find Ryan On Social Media                       Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

Is Kiwisaver even worth it in retirement or should I invest all my money in index funds? If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                         Get A Free Book and Subscription To Ryan's Weekly Newsletter                         Find Ryan On Social Media                         Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

If I said you should run your business like a smartphone what would be your first thought? Do I mean you should scroll mindlessly on your screen, stuff your face with potato chips and question why you're still awake at 2am? No, the idea of the smartphone business model stems from the concept of apps or in other words, a collection of connections working cohesively for a common goal. A network of businesses and individuals that give you the freedom to focus on everything you're good at while outsourcing the rest. A concept inspired by our guest Ben Marris and his organisation NZ Leaders. Book a Free appointment with Ryan If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:              Get A Free Book and Subscription To Ryan's Weekly Newsletter                         Find Ryan On Social Media                         Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure state available on request and free of charge

This podcast went off the rails, viewers discretion be advised. Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You    Get A Free Book and Subscription To Ryan's Weekly Newsletter   Find Ryan On Social Media   Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

Are you making a big mistake investing in ETFs? Is it a bubble? Will you lose all your money? Join Jordan Greville and Ryan Melton as they unravel the mystery of Exchange Traded Funds. Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You    Get A Free Book and Subscription To Ryan's Weekly Newsletter   Find Ryan On Social Media   Have Your Podcast and Audiobook Edited by NZ Audio Editors.   Come To Our Next Business Strategy, Innovation & Leadership Event

OnePlan's director of first impressions shares her experiences as a young woman in the middle east. If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                        Get A Free Book and Subscription To Ryan's Weekly Newsletter                         Find Ryan On Social Media                         Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event  

Quick Fire Finance Question Of The Day: "My husband and I are in our early 50s. Both our children have moved out so we’ve started thinking about planning for our future as we don’t want to be a burden to them. My mother recently passed away and left us an inheritance. We still have a mortgage of about $100,000 and we inherited $400,000. My parents have always said that we should get a rental property when we have the money but I’m worried about the new regulations coming through. I’m wondering if you could go through the pros of cons of this and talk about the regulations that might make it challenging?" If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                     Get A Free Book and Subscription To Ryan's Weekly Newsletter                     Find Ryan On Social Media                     Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

Quick Fire Finance Of The Day: "Recent articles in the Herald advise taxpayers to ensure that they use their correct PIR rates for their investment funds such as KiwiSaver. None of the articles address the situation though where investment funds are held in the name of joint account holders with differing PIR rates. It appears that the IRD recognise that most systems only allow for the inclusion of one PIR rate for a portfolio. In my case my wife and I are joint account holders of managed funds. My PIR rate is 28 per cent while hers is 17.5 per cent. Bearing in mind that the IRD do not provide refunds for taxpayers whose PIR rate is too high (which is an inequitable situation in itself), it is only natural that I would choose 17.5 per cent as the PIR rate for our managed funds. This means that I will need to advise in my own tax return that 50 per cent of the value of taxable returns achieved by the managed funds have been undertaxed, requiring me to pay a lump sum on assessment, with possible late payment interest. Do you agree that taxpayers should be made aware of this shortcoming and not feel pressured to increase their PIR rates on their investments unnecessarily?" If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                   Get A Free Book and Subscription To Ryan's Weekly Newsletter                   Find Ryan On Social Media                   Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event     Disclosure Statement available on request and is free of charge.

About Sarah Newton-Palmer: "I work as a life and career coach, and senior facilitator, in the field of life transitioning and leadership development. My own career has evolved through several iterations as I have learned and gradually grown into my own skin. I am driven by a love of ideas, like truth, beauty and integrity, living my own path, and constantly striving to achieve more than I thought I was capable of, not just for myself but to be an example for my family. So far it has been a colourful, often exciting and fulfilling journey with many peaks and troughs that have taught me courage, resilience and some wisdom. All this I also hope for my clients and I love seeing people have great personal insights, grow and achieve their own goals." If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                          Get A Free Book and Subscription To Ryan's Weekly Newsletter                           Find Ryan On Social Media                           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event  

If you had to swindle the tax payer out of their money how would you do it? If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                          Get A Free Book and Subscription To Ryan's Weekly Newsletter                           Find Ryan On Social Media                           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event  

It's not easy filtering through the noise. Many New Zealanders fall victim to their own greed or fear and miss out on a rewarding financial future. This episode is about our investment philosophy and how you can use it to do the things you want in life. If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                          Get A Free Book and Subscription To Ryan's Weekly Newsletter                           Find Ryan On Social Media                           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event  

Is it possible to instill good values in a child who has it all?   

If you've got an old insurance policy you might be luckier than you think. If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                          Get A Free Book and Subscription To Ryan's Weekly Newsletter                           Find Ryan On Social Media                           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event  

At somepoint shit is going to hit the fan so you can either live with your head in the sand or you can do something about it. This episode won't protect you from the hardships of life because no matter what you do it will still find it's way into your life. But what it will do is show you how to minimise the cost of failure and protect the ones you love. If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                          Get A Free Book and Subscription To Ryan's Weekly Newsletter                           Find Ryan On Social Media                           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event  

Dr Sven Hansen is the founder of The Resilience Institute. From a medical family, Sven travelled widely and completed two years in special forces before completing medicine.  His passion for sport and flow took him into sports medicine where he discovered the power of deliberate, scientific training to secure both individual and team success. After an MBA in 1993, he asked how one could translate and take these ideas to a wider population. Business was the ideal partner. Not only could one reach large numbers of people through one buying centre, but we could also help businesses reduce risks and improve business performance. This set the scene to build an evidence-based, integral and practical solution to sustainable performance in business and life. If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                       Get A Free Book and Subscription To Ryan's Weekly Newsletter                       Find Ryan On Social Media                       Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

We know about property and shares but is there an asset that trumps them all?  Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                     Get A Free Book and Subscription To Ryan's Weekly Newsletter                     Find Ryan On Social Media                     Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

Finding your why in life is one of the most challenging yet valuable things you can do or as Viktor E. Frankl would say: "A man who becomes conscious of the responsibility he bears toward a human being who affectionately waits for him, or to an unfinished work, will never be able to throw away his life. He knows the "why" for his existence, and will be able to bear almost any "how".” There are going to be moments in your life where you really struggle and if you don't have reason a to suffer you'll fall off the edge. So in this episode I share with you my tips for finding your 'why.' If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                          Get A Free Book and Subscription To Ryan's Weekly Newsletter                           Find Ryan On Social Media                           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event  

The government is coming after property investors but what about first home buyers? If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                          Get A Free Book and Subscription To Ryan's Weekly Newsletter                           Find Ryan On Social Media                           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event  

Quick Fire question of the day: "I’m 56 years old and have worked in management for most of my life. I have some bad days but for the most part I like what I do. Now as I approach retirement, I’m starting to think I won’t have enough money to fund it and if I did what would I even do? I’m married, our kids are all grown up and I don’t really have any hobbies. What do your clients usually do? I know I’m not alone because you called it ‘retreading’ not ‘retiring.’ Do you have process for helping people work out what they’ll do? And what should I be thinking about when planning for my retirement?" If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                     Get A Free Book and Subscription To Ryan's Weekly Newsletter                     Find Ryan On Social Media                     Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

My ex-wife took me for everything I'm worth. How do I make sure it never happens again? If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Book A Free Appointment With Us                          Get A Free Book and Subscription To Ryan's Weekly Newsletter                           Find Ryan On Social Media                           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event  

Brent Norling Director of award winning legal firm Norling Law shares his personal journey and insights for helping bring New Zealand businesses back from the brink of extinction. A simplistic overview of very complex concepts relating to insolvency, restructuring, litigation and most importantly the hidden threat to every business owner trying to artificially stay afloat through the help of government subsidies. Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You             Get A Free Book and Subscription To Ryan's Weekly Newsletter             Find Ryan On Social Media             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

Quick Fire Finance of the Day:  "We are a couple in our late 70s and realize that our remaining years on this planet are becoming limited. We live in a freehold home. We agree with your advice(Mary Holm) in The Herald recently to “stick with share-market ups and downs.” However, we consider that this strategy may be more applicable to younger and/or wealthy investors. We have a “mixed” international share portfolio administered by a financial adviser. Current value is reduced to $260,000 following a recent market meltdown. We have experienced a roller coaster “ride” over many years with growth in some years, being discounted by loss in other years. Given our age and limited resources, we would be grateful if you could advise if we should: · Hang in and persevere until we are 80 or a longer time period, or · Instruct our adviser to sell down the portfolio and thereafter invest the capital in a less risky and more secure option." Source: NZ Herald 2nd Of February 2019  If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                 Get A Free Book and Subscription To Ryan's Weekly Newsletter                 Find Ryan On Social Media                 Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event   Disclosure Statement available on request and is free of charge.

 Quick Fire Finance of the day: "How do you compare various unit funds? I am retired and have several hundred thousand dollars which I’m considering placing in a conservative or balanced unit fund of the type run by most of the major brokers or banks. I have asked for performance data from each of the funds, but it’s not easy to compare who is the best. Have you got any suggestions or the name of a website that does this comparison? Also, the purchase price of the units varies, and I’m not sure whether the date at which you buy the units is sensitive to the market (like buying shares at the top of the market)?" Source: NZ Herald 23 February 2019 If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                   Get A Free Book and Subscription To Ryan's Weekly Newsletter                   Find Ryan On Social Media                   Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

The United States Of America owe close to $30 trillion dollars and print money by the bucket loads. Will their economy survive? Will they even have an economy? If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                   Get A Free Book and Subscription To Ryan's Weekly Newsletter                   Find Ryan On Social Media                   Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

You don't have to go very far to hear the countless horror stories of people being swindled out of their life savings. A fast talking con artist promising wealth and riches for all those foolish enough to take the chance. At least that's what we like to tell ourselves. The reality is no matter how much we like to believe we're free thinkers that, under the right circumstances and persuasion tactics, someone could very well have us doing things we never thought we would.  Which is why in this episode I want to flip the script and share with you how a person like me might try to influence a person like you.   If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                   Get A Free Book and Subscription To Ryan's Weekly Newsletter                   Find Ryan On Social Media                   Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

What is it, where is it and how does it work? If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                   Get A Free Book and Subscription To Ryan's Weekly Newsletter                   Find Ryan On Social Media                   Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

The CEO of Kernel Wealth, Dean Anderson,  started his investment career in the rustling bustling world of the New Zealand Stock Exchange. An experience that shaped the creation and thought process behind what we know Kernel Wealth as today. An up-and-coming company on a mission to shake up the index investing world.  A few of the hot topics we covered were crypto currencies, gamestop, and why lower fees are not quite what they seem. If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You                 Get A Free Book and Subscription To Ryan's Weekly Newsletter                 Find Ryan On Social Media                 Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

"I’m self employed and make regular contributions to my KiwiSaver. My KiwiSaver has been losing money recently, which is fine, am in it for the long haul, etc. But I’m wondering whether I should continue to deposit into it when the market is down or wait until it picks up again?" Source: NZ Herald 26th of January 2019  If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You               Get A Free Book and Subscription To Ryan's Weekly Newsletter               Find Ryan On Social Media               Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event Disclosure Statement available on request and is free of charge.

I’ve always wondered what’s the point of getting a real estate agent in when you can just do it yourself? A common fallacy we all fall into as NZers is this concept of ‘Do It Youself.’ Don’t get me wrong, there are definitely people that are more than capable of doing it all themselves, but they’re the exception not the rule. So, I thought why not invite one of the top agents from Barfoot and Thompson, Nathan Canton, to share exactly why you may be making a mistake. Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You               Get A Free Book and Subscription To Ryan's Weekly Newsletter               Find Ryan On Social Media               Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

Does cheaper always mean better? If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You             Get A Free Book and Subscription To Ryan's Weekly Newsletter             Find Ryan On Social Media             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

"My Sharesies account has been getting a return of 20% every week for two months..."  Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You             Get A Free Book and Subscription To Ryan's Weekly Newsletter             Find Ryan On Social Media             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want. PDF Version Of The Book Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You             Get A Free Book and Subscription To Ryan's Weekly Newsletter             Find Ryan On Social Media             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

We are more connected now than any point in human history and yet we are even more divided. Whatever your political or social views, this is a must listen for any person curious about the impact of digital connectivity and the future of business as we know it today.  Dr Lena Waizenegger is a true expert in her field with an episode you do not want to miss.   Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You             Get A Free Book and Subscription To Ryan's Weekly Newsletter             Find Ryan On Social Media             Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want. PDF Version Of The Book Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You           Get A Free Book and Subscription To Ryan's Weekly Newsletter           Find Ryan On Social Media           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want. PDF Version Of The Book Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You           Get A Free Book and Subscription To Ryan's Weekly Newsletter           Find Ryan On Social Media           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

Are you looking to develop your skills as a leader? There is probably no business leadership skill more important than the ability to speak to an audience of any size. But without speaker training, it’s easy to get caught up in your own insecurities and fears and loose control of yourself, your words and your movements. You can’t hide this from an audience, all they see is someone who lacks confidence and competence ultimately leading to a lack of trust. If people can’t trust you, they won’t want to do business with you, it’s that simple. Unfortunately many leaders and executives aren’t great communicators, and it’s affecting their ability to lead. They fumble their way through meetings and presentations, and it leaves their team confused and uninspired. Michael Phillpot will help you to remove the clutter that gets in the way of a concise and coherent message, to ensure any audience large or small will easily understand and engage with you and your brand.  Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You           Get A Free Book and Subscription To Ryan's Weekly Newsletter           Find Ryan On Social Media           Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want. PDF Version Of The Book Also, if you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You         Get A Free Book and Subscription To Ryan's Weekly Newsletter         Find Ryan On Social Media         Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event