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

Ever wondered what quantitative easing, the OCR and inflation have in common? Probably not but you should. These three concept could make or break your financial future. If you're using term deposits as your strategy to combat this you're in big trouble and here's why.... 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.  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

Anything significant I have ever achieved in my life has been through the guidance or support of someone else.  We’ve all heard the saying your network is your net worth but what are some tactical and tangible ways of utilising this essential resource? Listen as Grant Finer, Principal Connector of Business Strategy New Zealand, shares the skills he's learned from running one of the largest meetup groups in Auckland.  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. 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. 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 day you start your business is the day you should plan your exit. Sounds a bit strange planning to quit before you even start, but, it's an essential idea to all those brave enough to dip their toes in the world of business. Structuring your business in such a way that it it operates with or without you and having process in place where your money works for you not you for 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: 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. 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. 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 biggest threat to the success of your business is a resistance to change. Sure it’s unpredictable, uncomfortable, and unbearable at times, but, if you stagnate in your rigid view and fight the technological advancements of the world then the resulting effect is undeniable, just look at Blockbuster and Kodak. Whether you believe in social media or not, the trend is happening with or without you. So, the question isn’t whether social media is right for you, but instead, how can you make it right for you? Stanley Henry knows the challenges of change all too well having scaled his one man band to a team of 24 in the midst of a global lockdown. Instead of wallowing in a sea of self pity he pivoted to a need and changed his business overnight. A story filled with laughs, honesty and resilience.    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: "My two children (now 23 and 21) were incredibly lucky to inherit $100,000 each in 2012. We looked at Auckland investment property and felt things were so hot it might fall over at any minute. Boom crash wallop — and their money would be halved. As we now know, I could have quadrupled it. It’s not too bad of course, they have the money which has sat untouched in term deposits ever since. But it could have been so, so much better. Any advice that will make me feel less of an idiot will be warmly received. (They both have the usual $35,000 to $40,000 student loans)." Source: NZ Herald 25th of August 2018 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: "I recently inherited some money when my mother died. I am soon to turn 54 and am mortgage-free. Is putting a bulk sum into Kiwisaver a good idea? My contributions have been intermittent as I am a contractor." Source: 29th of September  2018 NZ Herald 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

Time and time again we see family's financial wellbeing fall apart because of a poorly structured estate. If you've repartnered, have kids from a prior relationship or just want to upskill your understanding to help those around you, then this episode is for 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

"We are into our 70's and are wondering whether we should draw down on our kiwisaver, and if so what should we do with the money?" Jordan quizzes Ryan this week on this very question on the latest episode of The NZ Guide to Financial Freedom. Source: NZ Herald 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

So, "is $100,000 in Kiwisaver enough to retire with in New Zealand?" Listen in as we discuss the in's and the out's of this question on todays instalment of Quickfire Finance, NZ Guide to Financial Freedom. Source: NZ Herald 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

Anti-Money Laundering (AML) compliance is steadily draining expertise from the pool of available resources with increased regulatory expectations seen as the biggest resourcing challenge in the years ahead. Shortages of trained staff and technology concerns have become widespread challenges across the industry. Daniel Rogers, founder of Avid AML, started his career in global transaction banking with global financial institutions and was responsible for managing relationships for multi-national clients and top tier corporate clients including both local and foreign Government entities. This has developed a strong understanding of AML and Counter Financing Of Terrorism  (CFT) regulations and the impact these regulations have on day to day business operations. Acknowledging these impacts while ensuring the business is not exposed to the reputation and financial risks these threats pose is key. As Senior Implementation Manager at the ANZ International & Institutional Bank New Zealand he was responsible for establishing and executing the Implementation Project. This encompassed the commercialisation of ANZ Group Implementation methodologies and the embedding of ANZ Group Risk AML CFT policy into business practices designed to significantly improving ‘first line of defence’ AML CFT controls. 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 almost 65, I have 140k in Kiwisaver and a 183k mortgage. Can I withdraw my Kiwisaver early to pay it off? 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

Solo mum reaches out for guidance on future proofing her children's Kiwisavers. 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 really worried about this generation of Hatch and Sharsies investors as their behaviour is so similar to that of the stock market crash in 1987. The Crash by Liam Dann in the NZ Herald describes it well: “It all happened too quickly,” says Des Hunt, a longtime investor and founding member of the NZ Shareholders Association. “What surprised me and frightened me was that everybody thought that it was easy to make money, so they were buying shares on the assumption they’d go up automatically, with little research,” he says. “There was nothing behind the businesses in some cases. I think the banks, the brokers, everybody was pushing hard. They were just saying you can’t miss out.” “Through 1986, the share market became something of a national pastime,” says the article dated January 2, 1987. “Many average citizens flocked to the new off-course substitute TAB in the hope of catching profits before they were gone,” the article noted somewhat prophetically. By February 1987, the New Zealand Stock Exchange estimated that between 12 and 15 per cent of the population were share investors, ahead of Australia with 8 per cent. Professional director Linda Robertson had just returned from her OE in 1987 and was working in a currency dealing room at the time of the crash. “I recall coming back and everyone was talking about shares. ” “Everyone was abuzz with share trading, there were share clubs. That was all very new.” In the dealing room, she recalls the crash being triggered by news coming out of New York. For Rob Cameron — one of the architects of the current regulatory system, including our Financial Markets Authority — there is no question. “Look, the one thing I can tell you with confidence is there will be another financial crisis. It is in the nature of humans.” “We are our biases — probably a lot of them evolutionary — and they will lead to periods where we become overly optimistic about asset prices, and we’ll find ways which no-one’s ever thought of yet to come up with financial innovations that fuel it.” It’s something to consider as the nine-year bull market, both here and on Wall Street, rolls on to new record heights." 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: "After retiring last year, in June this year I moved all of my savings into ASB KiwiSaver. I chose a balanced fund to mitigate risks. I have now lost a considerable sum of money. I put in $666,430, and it’s now $641,136. I’ve made no further contributions or withdrawals. I fear that I will never recoup this loss and I may continue to see my savings disappear. I searched for a cause for such massive losses and found an article stating that ASB KiwiSaver invested in CBL insurance, and that this has led to large losses across their KiwiSaver accounts. I know KiwiSaver has its ups and downs, but the loss I have experienced is more than a blip. Should I get my money out ASAP, as just having it under the mattress would have been better at keeping up with inflation than putting my savings into this KiwiSaver. I am not in urgent need of the money right now but I have worked and saved — a seemingly stupid choice — in order to provide for my retirement. I am feeling a bit scared. I probably found out too late about the CBL issue but I don’t suppose I would have understood what it meant, hindsight is always a torture. Just wondering if you had any advice re going forward." 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

The challenge we often face in planning for our retirement, is knowing the difference between good and bad advice. In this case, NZ's favourite financial journalist Mary Holm had a slip up that could have cost a person their financial livelihood and it went like this: Question:  "I have $200,000 to invest for my retirement. I am 70. Should I look at a fund or should I just buy a spread of shares myself?" Mary Holm's Answer:  "You’ve got enough money to buy a wide range of shares, so you could do it yourself. Here’s how I suggest you go about it: · Make sure you buy in many different industries, as there’s no good way to predict which shares will perform better. Just because a company or industry has a promising future, that doesn’t mean its shares are good buys, as they might already be highly priced. · Don’t buy and sell. Even the professionals get that wrong often. Be like Warren Buffett and buy for the long term. Buying shares directly is a bit more hassle than investing in a fund or two — as suggested to the previous reader. But your costs will probably be lower than paying fees on the funds. In the end, it probably comes down to whether direct investing appeals to you." Source: NZ Herald 15 September 2018 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

Jason Greenwood (Founder - Greenwood Consulting) has contributed to the success of some of the biggest players in eCommerce and digital retail for 20+ years. Covid has thrown a huge spotlight on the digital capabilities and cracks in businesses, large and small. Many have realised they simply are not prepared for digital commerce as their primary go to market model. Greenwood consulting  helps well funded startups and mid-size+ businesses address these issues and supports them as they seize this opportunity to re-imagine themselves from the ground up for the digital age  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: "I am 68, semi-retired with an income of $40,000 from part-time work plus my NZ Super and $500 per week from an apartment I own mortgage-free. I have $250,000 in term deposits and would like to use this to bring in some sort of income for when my part-time job ends. Clearly term deposits are not going to do that for me. My options seem to be: · Invest the money in some sort of fund that will give me a reasonable return to add to my pension and rent income. · As I have a mortgage-free home in a popular beach village, I could spend $200,000-plus (architect and builder’s estimate) and add a self-contained studio underneath my house, which I know I can rent out on Airbnb or similar. That would potentially give me a capital gain over the next few years, as well as providing (at worst case scenario) about $1000 a month income. I have been looking at property to purchase, but anything I bought would require a mortgage, which clearly I can’t really service and negates the fact that actually I need something to bring in some extra cash." 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: "I am (finally) debt-free in my mid 50s and own my Auckland home, but I have very little saved for retirement. If I sold and moved pretty much anywhere else in New Zealand I could retire tomorrow. But I don’t want to move! Rather than close down my mortgage against my home I’ve kept it in place, with a revolving credit mortgage (approximately 20 per cent of the value of the house) available to me at standard mortgage rates. What are your thoughts on drawing on this existing facility if I decide to stop working? It feels like the reverse equity option, but without all the legal stuff. Or am missing something? Would love to hear your thoughts." 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

Every New Zealander has the opportunity to make an impact. To share a concept that influences the masses. Point and click. A skill born and nurtured from two concepts: math and art. The mathematics of what converts and the inspiration of a well executed creative. We all have the opportunity but very few have the ability. That's why we are very fortunate to have video guru John Maybury break down the key styles to convert, inspire, and retain potential buyers into becoming a long term clients. 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: "Having now reached 65 and receiving superannuation payments whilst still employed, I’m seeking confirmation that the government’s annual KiwiSaver contribution of $521 ceases from my 65th birthday. Is there any point in continuing my minimum payment of $1043 to get the tax credit? Is there pro-rated payment from July 1 till the time you celebrate your birthday? Would be most grateful if you are able to clarify the situation." Source: NZ Herald 27th Of October 2018 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

You can bail me up about this because it's incredibly bias. What I say to counter that is many listeners don't even know what a financial planner is or if it's worthwhile even talking to one. So I thought I'd take this moment to explain the different types and what to look for. Also, if you want 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 first came across Ed and the team at Opes when searching for ways to upskill in the property space because the first word anyone seems to learn in this country is p p p p rroooperty.  I needed a quick and engaging way to learn the ways of the P.  So I looked around but good lord there is a lot of boring shit and poorly constructed sales pitches. They were the exception. Andrew Nicol and Ed McKnight from the Property Academy Podcast seem to get it. Good value in short chunks shared every day.  Check it out. For those wanting their 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 Of The Day: "I understand that the $521 annual government contribution is worth it. But if that’s the maximum from the government for self-employed, how could they end up with $150,000 from their $100,000 of contributions? Wouldn’t it take almost 100 years contributing to get that $50,000 from the government at $521 a year. And who’s going to work for that long? Or am I missing something here? Can you please explain?" Source: NZ Herald 12 September 2020 For those wanting their 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: "Are withdrawals from your KiwiSaver taxable, and added to your NZ Super as income, increasing your tax rate?" Source: NZ Herald 12 September 2020 For those wanting their 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

Would you pursue something that had a mere 30% success rate? Better yet, would you try learn a completely new skill from scratch without a coach? If you answered yes to both then you’re potentially like me and have a chip on your shoulder so take the hard route just to prove a point. That would be a mistake. If there’s one thing I’ve learned in life, it’s that you don’t know what you don’t know, so you better find someone in the know so you can start knowing things quicker. Apart from a poorly written rhyme it has some sense to it. You wouldn’t become an NBA player without ever having a coach so why then with business having such a high failure rate have you not considered getting a business coach? In this week’s episode we’re very fortunate to have the accomplished and charming Leadership Coach Debra Chantry-Taylor from Business Traction. Who will share her honest journey to becoming what she is today as well as imparting the knowledge she’s accumulated from helping entrepreneurs live a more fulfilling and rewarding life. For those wanting their 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: "I invested $5,000 in a crowd-funded start-up company in 2016 with the knowledge that I could well lose the money but also with high hopes that it would pay off. The company has gone into liquidation with no acknowledgement or notice to investors (apart from the obligatory Gazette notice — who reads those on a daily basis?). I learned of the company failure via a NZ Herald news article. I have submitted an (unsecured) creditor’s claim form but received no acknowledgement or update from the liquidator who, in this case, has a conviction for tax fraud, according to the Herald article. After returning my Creditor’s Claim Form I heard nothing, and so after a time I emailed both the company founder (who was extremely friendly and open with communication both by phone and email when he wanted money), and the liquidator. I did not even get the courtesy of a reply. I have since learnt that the directors of a failed company can choose the liquidator, and almost anyone can be appointed, and that the liquidator does not even need to be a professional. With no transparency and no requirement to keep investors informed, I see this area as urgently needing a review and new laws put in place. To be “courted” as an investor in a second funding round (at a time when it now appears the company was already struggling), and then left completely in the dark as to what has happened is unacceptable and open to fraud. Further, when it is a small uncomplicated company, probably with no assets, why is a liquidator appointed at all? If any money was available for investors it would certainly be used to first pay the liquidator’s fees. Why isn’t an accountant able to wind up an uncomplicated company, which might result in at least some money being available for investors?" Source: NZ Herald 27th of October 2018 Once again for those wanting their 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 Of The Day: "My husband and I would like some direction on what to look for when investing $12,000 in the NZ share market. Our objective is to sit on the shares and hopefully maximise returns by the time we retire in 15 years, either through share price growth or dividends. The problem is most advice on “growth” shares has a one to three-year horizon, not our longer term — which I understand is the ideal 10-plus years to ride out the highs and lows. We have a well-diversified portfolio of ten NZX companies, across industries, with about $5000 in each, so ideally would be looking at another two companies. Thanks in advance for your help." Source: NZ Herald 27 October 2018 Once again for those wanting their 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

There’s an emerging concept you need to know and it’s this idea of becoming a ‘thought leader.’  We all know a person we respect and admire for their knowledge in a chosen discipline. The challenging hurdle we must overcome is what aspect of our experience and understanding could we be a leader in? Are we allowed to see ourselves as a thought leader? How much experience do you need before people will actually listen to you? Luckily these days with the ability to reach an audience at scale, with next to no costs, all you need is the ability to create and distribute content that not only shows your breath of understanding, but, gives you the ability to authentically interact with a community that will both incentivise and encourage you to be better than what you are today. A story that begins with Verity Craft, General Manager and Smooth Operator of Intelligent Ink. She will share with you her tools and strategies for becoming a thought leader in any industry. Gone are the days where you need a college degree and 20 years of experience in a mind thumbing corporate. What truly matters is substance and connection.  You don’t need to be the Einstein of relativity you just need to be relatively useful to the people you can help.  Once again for those wanting their 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: "When our elder son was born in 1988 we were living in the UK and started a £30 per month investment into a unit trust. It was a moderate-risk UK smaller companies fund. It has been a good but not top flight performer. We maintained contributions until early 2015, so have invested under £10,000. The current value, despite Covid is £60,700. I don’t have the Excel skills to work out the average annual rate of return, but it is certainly single figures. Income was reinvested. UK unit trusts have lower charges than most NZ funds, but recent downward pressure by some KiwiSaver providers is improving things for the investor here." Source NZ Herald 26 September 2020 Once again for those wanting their 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: "Is the following a scam? Since getting it and filling out a form, they have been phoning me day and night. Please reply in your column or by e-mail, I’m not answering my phone for that reason. ”AMAZON SHARES INVESTMENT “Register now for free and discover how to profit with Amazon’s shares. Free 1-on-1 Training on How to Start Investing in AMAZON shares!.FIND OUT HOW TO GENERATE INCOME WITH AMAZON.” Source NZ Herald 26 September 2020 Once again for those wanting their 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

Leadership isn’t a title that can be given it’s a perception that must be earned. A narrative all too common in any organisation where the wrong person is given the right job. A metaphoric dead branch that on the surface is contributing to the efficiency of the office but internally is slowly rotting the culture from the inside out. An issue only rectified by hiring the right person for the right job. Yeah ok…but how? It starts by listening to the insights of our guest, Peter Stewart, the Managing Director of Lynx Recruitment and his ‘Seven-Step Recruitment Process.’ A formula for hiring and retaining exceptional people that he utilised in the building of an award-winning recruitment agency. An ever-evolving story that if implemented correctly will have your good company doing great things. A concept and process executed not only through the retention of great staff but through your ability to inspire, cultivate and encourage them to be the best versions of themselves. A culture that begins with you and ends with a better bottom line. Once again for those wanting their 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: "I am 72 years of age and have a KiwiSaver account that I took out about four years ago and contributed to for a few years and then ignored. It’s been inactive ever since. I think it I opted for the aggressive growth fund if there’s such a thing? I have nearly $1 million sitting in a bank at some ridiculous interest rate — maybe 1 per cent or something. Basically I am financially lazy and irresponsible. This Covid 19 situation and all the “speak” about security of investments, falling interest rates, stock market free-fall etc has awakened a modicum of interest in what to do with my million. I received an on-line report from my KiwiSaver provider a while back and note there was a rapid rise after a two- or three-month fall. So — after that long-winded introduction — my questions are: · Can I drop say $700,000 or $800,000 into my KiwiSaver account? · If I did so, can I withdraw some, or all of it, whenever I like together with whatever increases it has generated (or decreases of course)?" Source: NZ Herald 8th of August 2020  Once again for those wanting their 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 Question of the day: will a trust protect me against the government? Once again for those wanting their 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 all know that glum person at work who shuts down any good idea and gossips behind your back or that overbearing boss with unrealistic expectations and no sense of what it takes to get the job done. Whoever or whatever archetype of person you meet has the ability to make or break the culture of any business. So, if you're wanting a mental mind map and formula for connecting with nearly every type of person then this episode is worth a listen. Our guest Allison Mooney is a professional people interpreter and world renowned speaker. Whose combination of wit, humour and experience will have you quietly chuckling and learning all in the same breath.   Once again for those wanting their 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 Question Of The Day:  "I’ve been thinking about dollar cost averaging in relation to mortgage rates. I wonder if one split their mortgage into say four chunks, each coming up for renegotiation every six months, would they then be guaranteed to beat the averages?" Source: NZ Herald 29th of August 2020 Once again for those wanting their 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 Question Of The Day: "I have approximately $1.5 million in the bank. I have had nothing but trouble and worry with money throughout my life. I invested in mortgages with lawyers, who stole one million dollars from me. I had money invested in Equiticorp in debentures, and I lost that money because Hawkins went bankrupt. I was then ripped off by another lawyer, who I loaned money to. I even lost interest for about eight years with a bank who would not return this money in Australia. I loaned money to a real estate agent, who I had to litigate with for years to get a pittance back. So, with the ridiculously low interest rates for bank term deposits now, can you please advise me as to what to do? I am 73 years of age. If I went to KiwiSaver or a managed fund, I am told that the fees that they charge outweigh the returns. And financial planners cannot be trusted as they have a vested interest in the companies they recommend. If you buy an investment house, and put it in the hands of a real estate agent to look after it, I have heard that the property can be trashed, and $3, 500 rent in arrears cannot be collected. I do not want the stress and the hard work of collecting the rent myself, so I guess that I would have to put it into the hands of a real estate agent, because I would not be in the country. So, my question is where can you put the money in other than the bank?" Source:  NZ Herald 22 August 2020 Once again for those wanting their 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

Business can be a very lonely endeavour where the difference between success and failure is a willingness to be better than what you were yesterday. To work on your business not just in it. To work smarter not just harder. This is why I asked Murray Phillips the Director of Insight CA to come back and share a more in-depth explanation of what’s needed to run an effective company.  Once again for those wanting their 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 Question Of The Day: "I am 40 this year, a single mum with young kids and have been bad with money until three years ago. Since then, I have invested in KiwiSaver and in two ETFs (exchange traded funds), one international and the other local. With a frugal lifestyle for the last three years and these investments I have managed to save about 5 per cent for a $750,000 house. I am based in Auckland and unlikely to move as my current employment pays me well. I rent a small place to save, but as my kids grow up I am thinking of a bigger place. With my current age, I feel less confident in securing a house while saving for my retirement and my children’s future. Should I still try to save for a house, or should I just find a bigger place to rent and save for retirement and my kids’ education?" Source: NZ Herald 29 August 2020  Once again for those wanting their 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 question of the day: "My husband and I are in our late 60s and we have the bulk of our savings, over $500,000 each, in a moderate KiwiSaver account with the same bank. Is it crazy for us to use the same provider, putting all our eggs in one basket? What do you think?" Question Source: NZ Herald 29 August 2020. Once again for those wanting their question answered on the podcast email me at [email protected], send a voice message below or connect with me at:  Once again for those wanting their 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 act as though we'll live forever but what if we don't?  It's a sad truth that no-one wants to talk about but everyone needs to. In this case we hear the story of a young New Zealander dealing with the aftermath of a terminal prognosis. A story that hits close to home for Greg Moyle as he nursed his late wife throughout her final seven years of life.  Once again for those wanting their 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