NZ Everyday Investor

In today's show, you'll learn how the future could be more than a little good. That's right, all that cray cray crazy in the world is actually a good sign. Clive Thompson is a retired private banker and wealth manager of 47 years, based in Switzerland. None of this is financial advice, but I do hope it gets you thinking!Sign up to the newsletter!______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Check out YouTube Version Here.Clive Thompson is a retired private banker and wealth manager, now living on the shores of Lake Geneva, Switzerland, after a career spanning 47 years.Read more.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

When you borrow money, own a home, have kids, or even just enjoy the same group of friends, often your connection to it is via a partnership. You're jointly and severally entangled into all you know, love, and value.  If it all falls apart, wouldn't it be good to know the art in how you build back up again? Read MoreBridgette Jackson is a divorce coach and she heads up Equal Exes. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Traditional Web2 finance will make progress, but eventually, Web3 will meet it in the middle. Ready to build wealth for the future - keep an open mind.Follow me Twitter: @UngaroDarcyFollow Charlie Twitter: @CyborgCharlie______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInwww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

As we're being kept safe from 'deflation due to recession', we're also losing the benefit of deflationary abundance.Check out the article mentioned hereConnect with me on LInkedIn______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Higher for Longer, or Lower and Sooner - in this one, we take a look at 'recency bias', and how a risk premium (due to geopolitics/war) may lead to higher rates for the foreseeable future.Chasing the JonesesIn this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success you're chasing. ______________________________________Check out some online courses!Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialUGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!*Hatch*Sharesies*Easy CryptoSharesight: (Get 5 months free)*CMC Markets*Revolut Bank*I may receive a financial benefit if you click on an affiliate link.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

The US Fed appears to be talking a tough game, and right when all the talk in NZ made it sound like a 'done deal', early signals are calling for another hike (or two) to our OCR. We are NOT out of the woods yet.So is it 'lower and sooner', or higher for longer - today I'm talking about recessions and depressions.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

The bitcoin ETF, is the 60/40 portfolio dead, and is Darcy Ungaro a bitcoin maxi?Special thank you to Jeff Nijsse, host of the Blockchain NZ Podcast. Check it out hereThanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

To choose the best time to lock in your mortgage rate, you need to get three things right:How much will rates change?Which direction will rates go,and when will the rates change.It may seem like a lot of work, but think of the potential reward - if you timed it right at the bottom of the interest rate cycle, you would still be paying less than 3% with almost two years to go. Read more here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Part 2: Mortgage Strategy 2024 / CHA$ING THE JONE$E$Have time on your hands? You're more likely to engage in low-value activities. Net immigration is high? Expect higher rents and house prices later on. Too much new credit creation? Watch interest rates fall first (price of money falls with higher supply), then watch them rise? New money supply hits asset values first, then the things we need for living. Credit growth can't outpace the production of more 'stuff' (GDP) because then, inflation.Ready to catch up and review your own mortgage? Make a time with Darcy here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!