Kiwi Talkz

Spoke with Tracy Hemingway about how she got into 94K worth of debt and her journey to pay it off,Follow her story on Instagram @debtfreekiwigirl Timestamps1:00 Tracys Backstory12:22 Tracys Tumor12:57 Pressure nowadays with image15:35 Bad money decisions with cars17:12 Smoking18:34 Tracys life falling apart23:05 Credit Cards/Banks Stupid Processes25:49 Balance Transfers28:43 Increasing Income/Decreasing Expenses29:41 Budgeting/Sinking Funds35:31 Pets Expenses36:35 Downfalls of raising minimum wage38:27 Living within your means39:32 Living in Auckland42:15 Eminem Concert/Wellington44:59 Public Transport/Reece’s Jacket Story46:26 Tracys New Job/Sales50:22 Working Remotely51:00 Hamilton to Auckland Train53:31 Tracys Budget Plan55:41 Eating Cheap56:34 Tracys Diet58:21 Reeces Psoriasis/Tracy’s Allergies1:00:00 Tracys Diet Part 21:02:40 Being Cheap1:04 46 Tracy Budget Plan Part 21:05:47 Tracys Debt Fully Paid Off Date1:06:32 Tracys Entertainment Budget1:08:36 Reece Judging/Tracy Being Judged1:10:11 Budgeting taught in schools/Being open with finances1:12:28 Housing1:13:30 Rockbottom1:14:21 Life Coaching1:15:17 Tracys trick of firewood1:16:26 Fine Five Challenge1:18:00 Coupons to save money1:21:38 Saving Time/Tracys First Budget1:23:00 Tracy Writing a Book for the next generation1:25:19 Trade Jobs/I.T1:27:30 Poverty in NZ/Saving $5 a week1:29:46 Cheap Clothing1:32:03 NZ Less Judgmental1:33:08 Travelling on a budget1:34:04 Budgeting/Avoid Loans1:35:00 Tracys current debt1:37:02 Tracys Final Thank You’s

Spoke with Dr. Vimal Kumar the head of NZs first Cyber Security Lab.***Dr Vimal Kumar has elaborated on the section about the Dark Web and Deep Web and has advised that the descriptions are incorrect and are switched so what he says about the Dark Web is about the Deep Web and what he says about the Deep Web is actually about the Dark Web.*** TIMESTAMPS00:21 - Introduction01:14 - How Dr. Vimal got into Cybersecurity06:10 - Cybersecurity in America08:25 - How a hacker gets information10:15 - Piecing information together11:05 - What should and shouldn’t be posted on Social Media12:21 - Ransom/Scams13:51 - Black Mirror15:42 - How Hackers Blackmail You17:36 - Australia University Leak/ Hacking IT20:00 - Automating IT/A.I21: 30 - Phishing26: 30 - NZ’s Relaxed Security27: 41 - Huawei 5G29: 42 - Florida34: 05 - Weather of different cities36: 28 - India/ New Delhi40: 15 - CROW43: 57 - Technology being worked on46: 42 - Waikato NZs Silicon Valley48: 32 - Auckland and Hamilton Talent Merging50: 02 - Internet Of Things/Smart Lighting57: 45 - Good and Bad sides of technology58: 34 - Hacking59:47 - Darkweb/Deepweb1:04:07 - Countries where hacking originates from1:07:04 - A.I Bots meddling in politics1:10:00 - Security Firms1:12:09 - Christchurch Shooting Aftermath1:15:45 - Deepfakes1:17:25 - Laws behind the times

Had a chat with American/Kiwi rapper Dr. Hayden about hip hop, america, alaska, politics, supernatural stuff.He also drops a verse as well.Timestamp00:50 - Writing Music Process4:03 - Live Gigs8:36 - Alaska11:59 - Temperatures in different countries/cities14:30 - Beaches/Surfing/Swimming17:30- U.K Scenery18:48 - Supernatural Stuff/Ouija Boards21:50 - Emotional Identity22:34 - Michael Jackson23:35 - Chris Brown24:50 - Kanye West27:48 - U.S.A Election 202029:08 - Universal Basic Income31:00 - America Quality of Life31:45 - Studio Setup32:12 - Kanye on the podcast33:22 - Becoming to old35:02 - Staying up with the times36:02 - Not caring anymore37:23 - Donald Trump38:02 - Justified Information39:35 - Flat Earth Theory40:05 - Test to vote41:10 - Politics47:38 - Auckland49:35 - Freestyles aren’t Freestyles50:35 - Dr. Hayden spits a verse