NZ Business Owners

Guest Warwick Walker:  https://foxplan.nz/advisers Takeaways Being a police officer is both rewarding and stressful, and it teaches valuable life lessons such as the importance of teamwork and the ability to influence and listen to people. Many people go into policing because they want to make a difference in their community and help others in times of crisis. Transitioning from a career in policing to financial planning requires following a system and process, investing in education, and building relationships with clients and other professionals. Referrals are a key aspect of growing a financial planning business, and trust, credibility, and reliability are essential in building client relationships. Business owners who have accumulated wealth need to navigate the challenges of transitioning out of their businesses and preserving and enhancing their wealth, which requires working with a team of professionals and developing a mindset of saving and investing. Chapters 00:00 Introduction and First Jobs 03:10 Life as a Policeman 09:46 Challenges and Changes in Policing 14:08 Transition to Financial Planning 16:09 Following a System and Process 27:31 The Importance of Professional Partnerships 33:28 Helping Business Owners Transition 41:21 Balancing Wealth and Family 44:59 The Importance of Saving and Investing

Guest Details Marc Hamilton: https://coveryours.co.nz/about/ Takeaways Music and comedy can evoke emotions and create a sense of connection. Authenticity is important in creative endeavors and can attract like-minded individuals. Universal themes in storytelling and music resonate with people across cultures and time. Constructing a set or a song involves considering the emotional journey and engaging the audience. Dealing with hate or criticism requires thick skin and the ability to not take it personally. Finding humor in absurd or anger-inducing situations can be a source of comedy. The creative process involves finding inspiration in everyday experiences and emotions. Crafting comedy takes time and practice, and it's important to learn from failures and keep refining jokes. Art, including comedy, has the power to eloquently convey the harshness of the world in a socially acceptable way. The ability to shock and offend depends on the context and the audience, and it's important to understand the crowd and adapt accordingly. Working with troubled youth requires empathy, understanding, and the ability to separate their actions from their identity. Asking for help and finding someone to talk to can make a significant difference in difficult situations. Chapters 00:00 Introduction and Background 04:03 Finding Joy in Work and Life 07:07 The Power of Music 10:15 Humor and Writing Songs 16:17 The Emotional Impact of Music 25:07 Dealing with Criticism and Hate 27:18 The Craft of Comedy 29:20 The Process of Crafting Comedy 30:18 The Art of Comedy 31:37 Navigating Different Audiences 32:31 The Consequences of Offensive Comedy 34:09 Favorite Comedians 35:16 First Attempt at Comedy and Worst Bomb 36:31 Creating Original Material 37:28 Different Crowds and Testing Material 38:11 The Influence of Comedians 39:48 The Power and Influence of Individuals 40:24 The Role of Soft Power 42:45 Empathy and Understanding 43:16 Previous Work with Troubled Youth 47:44 Pharmaceutical Sales and Dark Humor 51:19 Dealing with Horrific Experiences 56:23 Seeking Help and Support

Guest Jon-Paul Hale: https://www.willowgroveinsurance.co.nz/about-us/about-us-j-p-hale-menu Takeaways The insurance industry can be complex and challenging, with various pitfalls and potholes that individuals may encounter. Understanding the client's needs and providing tailored solutions is crucial in the insurance industry. Underwriters play a significant role in assessing risks and determining coverage terms. Trust, education, and personalized advice are essential in the insurance industry. Insurance companies consider both medical and financial information when underwriting policies. Advisors play a crucial role in guiding clients through the application process and ensuring accurate disclosure. The misconception that insurance companies do not pay out claims is refuted, with statistics showing a high percentage of claims being paid. The current application process can be inefficient and time-consuming, and there is a need for improvements, such as allowing insurance companies to access medical notes with client consent. Chapters 00:00 Understanding the Challenges in Business 03:37 Approaching Insurance Sales 07:51 Building Rapport and Understanding Client Needs 09:25 Motivational Interviewing and Client Engagement 10:33 Empowering Clients to Make Decisions 11:53 The Difference Between Sales and Advice 14:29 Developing Skills and Personalizing Delivery 15:31 Setting Boundaries for Advisors 18:15 Staying Educated in the Insurance Industry 26:47 The Role of Underwriters in Insurance 30:59 Underwriting and Financials 32:14 Predicting Mortality 34:30 Role of Advisors and Brokers 36:19 Reinsurance and Risk Spreading 38:39 Financial Strength Ratings 41:17 Misconceptions about Insurance Payouts 44:30 Buying Insurance Online 45:58 Application Process and Claim Rates 51:15 Improving the Application Process 53:38 Value of Advice and Automation

Guest Martin Robinson: https://sharenz.com/advisers/martin-robinson/ Takeaways Defining success: Martin defines success as having the time, money, and health to attend any sporting or cultural event. Financial planning: Martin humorously defines good financial planning as when your payment to the undertaker bounces. Lessons from surf life saving: Martin emphasizes the value of meeting new people, learning from mentors, and staying physically active. Finding joy in passions: Martin's love for football and surf life saving has brought him joy and lifelong connections. Learning from experiences: Martin shares stories from his career in finance, highlighting the importance of perseverance and adaptability. Computerization revolutionized the mortgage industry, making it easier to track and manage mortgages. Commission rates for mortgages in the late 1980s were high, with advisors earning a significant amount per mortgage. Diversification is crucial in the mortgage industry to mitigate risks and avoid relying on a single client or industry. Building relationships with real estate companies can be an effective way to find prospects and convert them into clients. The formation of Apex Financial and its transformation into Share demonstrates the power of collaboration and camaraderie in the financial advisory industry. Chapters 00:00 Definition of 'having made it' 03:29 The significance of football in Martin's life 04:51 The definition of good financial planning 06:33 Martin's experience in debt collecting 09:06 The role of surf life saving in Martin's life 11:28 Working at General Finance and IFC 13:33 Working in factoring and financing invoices 15:55 Working at General Finance and Olly Newland's company 19:44 Martin's achievements in surf life saving 20:46 Staying agile and competing in surf life saving at an older age 21:38 Building relationships in the mortgage advisory business 24:00 Starting a mortgage advisory business and dealing with challenges 24:29 Early Days of Mortgage Brokering 26:56 Approach to Getting Mortgages Across the Line 30:08 Formation of Apex Financial 38:03 Formation of Share 42:37 Size and Success of Share 43:33 Factors Contributing to Success 45:27 Passion for Sports and Cultural Events

Guest Aaron D'Souza: https://www.lesafs.com/ Takeaways Maintaining a healthy lifestyle requires discipline and finding strategies to make exercise and healthy eating easier. As we age, it becomes more important to prioritize our health and be proactive in maintaining a healthy weight and staying active. Dancing can be a fun and enjoyable way to stay active and express oneself creatively. India has undergone significant growth and development, with improvements in infrastructure and a focus on becoming a developed country. Learning how to swim is an important skill that can save lives and provide a sense of confidence and safety in water. Water polo is a challenging and impressive sport that requires strength, endurance, and skill. Being present and supportive as a parent is crucial for building a strong connection with children. Self-improvement and learning from mistakes are essential for personal growth. Meditation can help reduce stress and improve clarity of thought. Taking action is key to making progress and achieving goals. Being aware of one's thoughts and reactions can lead to better decision-making and emotional well-being. Chapters 00:00 Building Healthy Habits 02:37 The Challenge of Eating Healthy 03:32 Cravings and Dietary Changes 04:32 Health, Aging, and Staying Active 05:31 Dancing and Performing 06:44 Theater and Behind the Scenes 09:43 Dance and Western Influence in India 11:30 Sports and Childhood Memories 12:47 Changes in India Over Time 13:50 India's Political and Infrastructure Development 14:56 Swimming and Overcoming Embarrassment 22:25 Water Polo and Competitive Sports 24:54 Balancing Family and Personal Fulfillment 27:59 Building a Strong Relationship with Children 30:12 Effective Communication with Children 33:33 The Power of Books and Personal Development 36:31 Taking Action and Learning from Mistakes 41:13 The Benefits of Meditation 46:50 Observing Thoughts and Responding vs Reacting

Guest Keanan Beyers: https://www.lifetime.co.nz/find-an-adviser/view/keanan-beyers/ Takeaways Living in Cape Town can be challenging due to crime and the need to be constantly vigilant. A diagnosis of type 1 diabetes can have a significant impact on one's life and requires careful management. Growing up in challenging circumstances can shape one's perspective and behavior. Finding a balance between enjoying life and making responsible decisions is important. Partying and a carefree lifestyle can sometimes be an attempt to fill a void or mask deeper issues. Maturity often comes from facing difficult circumstances and making tough decisions. Strict upbringings can limit a person's ability to explore their identity and enjoy their youth. Rebellious phases and partying may provide temporary escape, but they do not solve underlying issues. Discovering that you are not the biological parent of a child can be emotionally devastating and lead to a loss of trust. Betrayal and financial struggles can be challenging, but holding on and staying focused can lead to positive change. Patience and perseverance are key in overcoming difficult situations and finding a better path forward. Chapters 00:00 Growing Up in Cape Town 01:28 New Chapter 04:52 Overcoming Adversity and Leaving South Africa 07:48 Living with Type 1 Diabetes 09:49 Early Life Challenges and Wrong Choices 13:35 Navigating Boarding School and Cultural Differences 17:34 Struggles at Home and Financial Constraints 24:32 Finding Balance and Making Life Choices 25:41 Filling a Void and Seeking Maturity 27:42 Strict Upbringing and Lack of Freedom 28:48 Limited Independence and Struggles with Expression 31:05 Party Lifestyle and Avoidance of Responsibility 35:25 False Paternity Claim and Betrayal 38:20 Moving Forward and Starting Fresh 43:26 Saying Goodbye to the Pretend Son 47:51 Deception and Manipulation 49:18 Words of Encouragement

Guest Jane Benton: https://g3freedom.co.nz/ Takeaways The sense of community and connection in rural areas can provide a fulfilling and meaningful life. Prioritizing personal relationships and family over work can lead to greater happiness and fulfillment. Financial planning is important for providing security, peace of mind, and the ability to pursue goals and dreams. Resilience is necessary to navigate challenges and setbacks in life. Commitment is essential in modern relationships to build trust and create lasting connections. Forming genuine connections and relationships can be challenging in the digital age. Online dating apps may not accurately portray a person's true self. Commitment is essential for building lasting relationships. Forgiveness and maintaining a positive perspective are crucial for personal growth and moving forward. Quality time and meaningful conversations are key to maintaining strong bonds in long-term relationships. Chapters 00:00 Introduction and Childhood in Rural Southwest England 01:35 The Value of Community and Connection 05:50 Creating a Supportive Work Environment 07:33 Questioning Traditional Work Structures 09:51 Negotiating Work-Life Balance 10:58 Balancing Career and Family 13:52 Uncovering Financial Goals and Values 19:51 Preparing for Market Volatility and Losses 21:52 Personal Resilience and Making Life Changes 24:28 Commitment and Modern Love 25:56 The Importance of Connection 26:53 The Challenges of Online Dating 27:51 The Role of Hormones in Dating 28:46 The Importance of Commitment 29:46 Maintaining a Long-Term Relationship 30:51 Determining the Worth of a Relationship 32:11 Forgiveness and Moving On 33:57 Putting Life in Perspective 35:50 Maintaining Civil Relationships 37:12 Making the Most of Life 39:01 Dealing with Tragedy and Loss 40:43 The Perception of Success

Ian Dallas: https://www.linkedin.com/in/iandallasnz/?originalSubdomain=nz Takeaways There is a movie centered around refereeing that is dramatic and intense. The experience of a referee in rugby involves managing people and effectively communicating with them. Upbringing plays a significant role in shaping personal attributes and values. Acknowledging and listening to people's concerns and objections is crucial in insurance sales. Building trust with clients requires empathy and open communication. Ask clients what is important in their lives and what could put those things at risk to understand their insurance needs. Estate planning and enduring powers of attorney are important aspects of risk management. Being honest, empathetic, and providing value to clients builds trust and long-term relationships. Vulnerability and open communication can lead to deeper connections and understanding. Mistakes are opportunities for growth and learning. Admitting and discussing them with others can help in finding solutions. The compounding effect of goodwill and consistent content creation can lead to long-term success in professional services. Chapters 00:00 Introduction and Movie Discussion 02:28 Experiences in South Africa 04:06 Police Encounters in South Africa 06:14 The Importance of Self-Control as a Referee 08:16 Managing People as a Referee 09:42 The Role of Upbringing in Refereeing 11:06 Recognizing Talent in Referees 12:29 The Importance of Stillness and Self-Control 13:55 The Impact of Upbringing on Self-Control 14:24 Dealing with Criticism as a Referee 16:31 Effective Communication in Arguments 19:55 Addressing Objections in Insurance Sales 21:59 Creating Comfort and Trust in Insurance Sales 24:33 Aligning Insurance with Life Goals 25:03 Understanding the Drivers for Insurance 26:10 Identifying Risks and Needs 27:19 The Importance of Estate Planning 28:34 Providing Value Beyond Insurance 30:13 Building Relationships and Trust 31:08 Retaining Clients through Understanding 33:50 The Power of Authenticity and Vulnerability 35:02 The Benefits of Acting with Integrity 36:22 Overcoming the Fear of Judgment 40:29 The Secret to Youth 41:24 Long-Term View and Adaptability 42:03 Living Longer and Embracing Change 43:00 Learning from Mistakes and Being Vulnerable 46:27 Unraveling Personal Challenges

Guest Simon O'Neill: velocityfinancial.co.nz Takeaways Show up and be present as a father, especially during the early years of a child's life. Find a balance between protecting your children and allowing them to face challenges and develop resilience. Learn from difficult experiences and use them as opportunities for personal growth and strength. Build a support network of friends and family who can provide guidance and understanding during tough times. Everyone has their own story and experiences, both good and bad. Encouraging men to be vulnerable and open up requires creating a safe environment and sharing personal stories. Regular check-ins and meaningful conversations are important for maintaining strong relationships. Staying strong during separations involves allowing oneself to grieve and seeking support from helplines or online groups. Strong emotions towards others often stem from past experiences and can be observed rather than reacted to. Building resilience and a positive mindset takes time and practice. Chapters 00:00 Origin Story 03:07 School and Resilience 05:32 Parenting and Family Dynamics 09:03 The Importance of Fatherhood 10:11 Lessons from Resilience 14:06 The Power of Vulnerability 18:44 Finding Hope in Tragic Endings 27:56 Encouraging Vulnerability in Men 32:40 Overcoming Separation and Loss 36:04 Taking Small Steps in Vulnerability 41:03 Dealing with Relationship Challenges 43:01 The Power of Surroundings and Mindset 43:31 Observing Thoughts and Emotions 44:41 Road Rage and State of Mind 45:47 Projections and Emotional Reactions 46:26 Understanding Strong Emotions 47:23 Resilience and Priorities 48:17 Insecurities and Perceptions 49:13 Personal Growth and Support Network

Jonathan Marshall: https://www.linkedin.com/in/jonathan-marshall-aab05418/?originalSubdomain=nz Takeaways Starting a church can be driven by a desire to serve the community and provide a place of belonging. Belonging should come before belief and behavior in a church community. The Bible resonates with people because it has been tried and tested over generations and offers inspirational words for moral guidance. Living by faith and accepting the grace of God is more important than trying to justify oneself through works. The relationship between guns and nature can provide a sense of connection to the primal state and a responsibility to the environment. Meaningful conversations and connections can be fostered in the context of hunting and outdoor activities. Outdoor activities like hunting provide unique experiences and challenges that can teach responsibility and help individuals appreciate life in different ways. The absence of a father figure in a child's life can have a significant impact, as evidenced by the high percentage of prisoners who come from fatherless homes. Society should embrace individuality and diversity, rather than trying to make everyone conform to the same standards and beliefs. The LGBTQ+ movement raises complex issues, and while it is important to respect individual choices and lifestyles, there is a need for open and honest discussions about the consequences and challenges associated with certain decisions. Empathy plays a crucial role in understanding and supporting others, even when their experiences or perspectives differ from our own. Belonging and social connection are essential for human well-being, and society should strive to create an inclusive environment where everyone feels accepted and supported. Chapters 00:00 Introduction and Background 00:38 Getting Involved in the Church 02:00 Starting a New Church 03:13 Approach to Church and Belonging 04:05 Denominations and Rules 05:17 Beliefs and Values 07:52 Running a Church as a Career 08:40 Values of God in Society 10:07 The Bible and its Resonance 11:21 Favorite Stories from the Bible 15:22 Hunting and its Significance 22:11 Individuality and Unity in Society 30:07 Teaching Kids and Acceptance 37:04 LGBTQ+ Movement and Belonging 44:30 Teaching Values to Children 46:06 Acceptance and Understanding 47:10 Support for LGBTQ+ Youth 48:09 Being Gay Today 50:17 Empathy and Understanding 51:11 The Importance of Belonging

Carie Townley mortgage broker at https://adviser.loanmarket.co.nz/whangarei/ Takeaways Investing in the potential of clients without expectation and serving their problems is key to success as a mortgage broker. Building relationships and partnerships with referral sources is crucial for business growth. Storytelling can be a powerful tool in the mortgage application process, helping to engage clients and improve the likelihood of approval. Fear and addiction can be overcome by understanding their underlying causes and developing strategies to deal with them. Maintaining integrity in the face of adversity is important for long-term success. Doing the right thing for clients and putting their interests first leads to more successful settlements. Chapters 00:00 Introduction and Ranking 02:00 Competition and Fair Assessment 04:07 Fear and Overcoming Obstacles 06:14 Unusual Expenses and Interesting Stories 07:33 Dealing with Addiction and Gambling 08:59 The Pillars of a Fulfilling Life 10:32 Understanding Addiction and Fulfillment 12:39 Helping Customers Achieve Homeownership 14:31 Leadership and Positive Reinforcement 15:35 Lessons Learned and Personal Development 17:33 Taking Responsibility and Building Relationships 19:34 The Power of Storytelling in Applications 21:17 Understanding the Cost of Living 24:45 The Influence of Role Models and Generational Patterns 27:31 Maintaining Integrity in Adversity 30:16 The Value of Genuine Relationships 32:02 Building a Business and Finding Customers 36:47 Treating People with Respect and Integrity 40:46 Maintaining Humility and Self-Awareness 45:49 Advice for Young People and Mortgage Brokers

Nigel Elson Founder of https://www.friendlyfinance.nz/ Takeaways Being an expat himself, Nigel has a natural connection with expat clients and understands their financial needs. Traveling and experiencing different cultures makes people more open-minded and focused on enjoying life in the present. Planning for both the present and the future is crucial for financial success. Communication and compromise are key in relationships and business partnerships. Effective communication is crucial in financial advising to ensure understanding and build trust. Reading people's facial expressions can help gauge their level of comprehension. Addressing insecurities and concerns is important to make clients comfortable with the financial plan. Tailoring communication based on age and background is essential for effective communication. Chapters 00:00 Introduction 00:20 Feeling Like You Don't Belong 03:18 The Experience of Traveling and Living Abroad 05:01 The Challenges of Integrating into a Local Community 05:57 Unusual Life Experiences 07:05 The Differences Between the Ultra Wealthy and the Aristocracy 08:22 Attributes Required for Success 09:21 Instilling Work Ethic in the Next Generation 10:58 Maintaining a Long-Term Partnership 12:12 Effective Communication in Relationships 14:16 Understanding and Empathy in Arguments 19:00 Finding a Life Partner 21:01 Maintaining a Good Bond in a Relationship 22:27 Effective Communication in Sales 24:41 Simplifying Statement of Advice Documents 29:18 The Requirements for a Michelin Star Restaurant 32:27 Providing Service in the Financial Planning Industry 36:29 The Need for Higher Qualifications in New Zealand 44:52 Number of Insurance Advisors in New Zealand 45:33 Challenges in Reaching Remote Areas 47:13 Perception and Competency of Financial Advisors 48:22 Access to Financial Advice and Education 49:16 Importance of Life Insurance and Investments 51:00 Convincing People of the Importance of Insurance

This podcast explores the complex relationship between being authentic and the subsequent impact on personal and professional life, drawing parallels with a study on zebras to metaphorize standing out and its effects. It features Nicola Shirley, a mortgage advisor from Vega Lend, who discusses her approach to handling leads, fostering meaningful client relationships, and the pivotal role of trust and authenticity in her profession. Shirley offers insights into the intricacies of client communications, the challenges and shifts within the lending industry, and the importance of insurance. She also reflects on the evolution of client referrals, provides advice for industry newcomers, and emphasises the significance of balancing professional service with personal connection. Guest Details: https://vegalend.co.nz/nicola-shirley 00:00 Introduction 00:39 Exploring the Impact of Authenticity on Business and Personal Connections 00:46 Navigating the Complex World of Leads and Referrals 04:10 The Art of Building Meaningful Client Relationships 05:01 Navigating Client Expectations and the Importance of Trust 07:03 The Delicate Balance of Knowledge, Ego, and Client Service 12:59 The Intricacies of Financial Advising and Building Trust 17:14 Understanding the Banking System and Navigating Financial Uncertainties 20:59 Navigating the Changing Landscape of Financial Advisory 22:15 The Shift to Modern Financial Practices 23:18 Client Relationships and the Importance of Regular Check-Ins 24:25 Adapting to the Evolving World of Lending 28:50 The Power of Networking and Authentic Relationships 33:58 Referrals: The High Bar of Trust and Authenticity 42:52 The Critical Role of Insurance in Financial Planning 46:51 Concluding Thoughts on the Financial Advisory Profession

This extensive discussion delves into various facets of digital marketing and social media strategy with Lawrence Carey, the managing director of Squid Group, a leading creative marketing agency in New Zealand. The dialogue covers the importance of social media for businesses, how to leverage niche markets, the strategy behind Facebook ads, and the dynamics of retargeting and brand building. It also touches on the significance of creating tailor-made content and offerings for specific audiences to foster brand trust and ensure a consistent flow of clients. Additionally, personal anecdotes and experiences in the marketing field are shared, underscoring the complexity and evolving nature of digital marketing tactics and the need for a deep understanding of one's target audience to achieve tangible results. Guest Details: https://www.squidgroup.co.nz/ Chapters 00:00 Introduction 01:03 The Journey to Niche Marketing Success 03:14 Exploring Global Opportunities and Lifestyle Balance 04:42 Mastering Niche Marketing Strategies 14:17 The Art of Promoting Music and Events 18:42 Leveraging Brand Experience and Social Proof 25:54 Unlocking the Secrets of Effective Advertising 26:43 Mastering Facebook Ads: Strategies and Insights 30:15 The Art of Crafting Compelling Hooks 33:08 Exploring the Psychology Behind Purchases 35:54 Debunking Facebook Ads: A Deep Dive 38:20 Navigating the Complexities of Retargeting Campaigns 43:37 The Power of Broad Targeting and Dynamic Creatives 47:29 The Debate on Retargeting: Efficiency vs. Engagement 52:57 Concluding Thoughts on Marketing Strategies

In this podcast, Lara, the owner of My Future Plan, discusses her motivation to become a financial advisor and her dedication to financial literacy as a key to living a fulfilling life. Addressing misunderstandings around financial services, Lara emphasizes the importance of seeing financial advisors as a normal part of life, just like having a doctor. She delves into details about investing, avoiding the pitfalls of chasing returns, and the challenges of scaling in the financial advisory profession. Lara also discusses her vision of normalizing the role of financial advisors in New Zealand and making 'My Future Plan' New Zealand's most trusted advisors. Guest Details: https://myfutureplan.co.nz/ Chapters 00:00 Introduction 01:10 The Meaning of Life and Self-Actualization 03:08 A Personal Journey: From Burger King to Financial Freedom 05:15 The Traditional Life vs. A Better Way to Live 07:41 The Power of Passive Income 11:08 Understanding Managed Funds and Investment 12:33 The Challenges of Financial Planning 21:19 Understanding the Emotional Aspect of Finance 21:42 The Gap in Financial Education 22:39 Personal Financial Struggles and Lessons 23:08 The Importance of Financial Planning 23:23 The Misconceptions about Mortgages 24:26 The Role of a Financial Advisor 25:07 The Value of a Financial Advisor 25:48 The Different Types of Financial Advisors 27:31 The Future of Financial Advising 31:56 The Challenges in the Financial Advising Business Model 39:32 The Importance of Building Relationships with Clients 41:43 Overcoming Bottlenecks in Financial Advising

Jeff Royle, a volunteer with the New Zealand Coast Guard and the owner of the mortgage company, ilender, offers insightful descriptions of his experiences in both domains. Detailing his commitment to the Coast Guard, Royle discusses responding to emergencies, ensuring boat safety, confronting challenging situations and the intricacies of negotiations and leadership within their team. Transitioning to his expertise in mortgages, Royle provides an overview of non-bank lenders, the risks of mortgage default and the current stress in the mortgage market. He wraps up with the importance of communication with lenders during financial distress, advice on managing rejection and anticipates a good summer after an unusual weather year in Auckland. Guest Details: https://ilender.co.nz/ Chapters: 00:00 Introduction 00:31 Becoming a Coast Guard Volunteer 01:42 Life as a Coast Guard Volunteer 03:42 Training and Challenges in the Coast Guard 05:39 Respect and Leadership in the Coast Guard 07:53 Rescue Operations and Challenges 11:33 Survival Tips and Stories from the Sea 15:38 Unusual Rescue Stories 18:36 Dangers of the Sea and Final Thoughts 28:17 Survival Tips for Being Stranded at Sea 28:57 The Importance of Carrying Water on a Boat 30:03 Survival Stories and Human Adaptability 31:07 The Irony of Being Surrounded by Water but Unable to Drink 32:12 The Art of Negotiation in Lending 35:11 Understanding Non-Bank Lenders 43:35 The Importance of Facing Financial Challenges Head-On 44:14 The Consequences of Mortgage Default 56:27 Dealing with Rejection and Negative Feedback 59:08 Final Thoughts and Wishes for a Good Summer

This podcast features an insightful conversation with Stephen Robertson, the owner of My Money, a finance consultancy primarily dealing with mortgages for high-profile clients. As he details his professional journey, Stephen delves into his origin, growing up in Palmerston North, New Zealand, and his interests in fishing, boating, and the military. With numerous anecdotes from his career, he explains how his role has evolved into more than just banking, involving understanding his clients' needs, handling their anxieties, and nurturing relationships. Stephen emphasizes the importance of providing clients with quality advice they can trust, especially in challenging financial situations. The discussion also reveals the intricate connections between financial decisions and personal emotions, underscoring the necessity of identifying the real needs of clients to deliver effective service. Guest details: https://www.mymoney.net.nz/ 00:00 Introduction 00:43 Personal Background and Childhood Memories 01:53 Travel Experiences and Military Interests 02:35 Passion for Boating and Fishing 04:55 School Experiences and Learning Strategies 09:00 Dealing with Stress and Anger 10:16 Lessons from Financial Advising and Sales 13:09 Understanding Client Needs and Aspirations 16:19 Understanding the Person Behind the Mortgage 16:54 The Importance of Connection in Mortgage Lending 18:15 The Role of an Advisor vs. a Bank 18:38 Navigating High Pressure Situations 20:04 The Journey to Becoming a Mortgage Broker 20:31 The Emotional Impact of Helping Clients 21:15 Dealing with Rising Mortgage Rates 21:37 The Consequences of Overpaying for a Property 24:44 The Importance of Financial Planning and Budgeting 28:03 The Dangers of Ignoring Financial Warning Signs 30:40 The Impact of Poor Financial Advice 33:51 The Joy of Helping First Home Buyers 35:21 Wrapping Up the Conversation

In an engaging dialogue that delves into the depth of life, relationships, and faith, Vinay Grover shares his personal experiences, insights and beliefs. Central to his discourse is the concept of intrinsic gratitude, winning over life's challenges and the significance of rising above negativity, while trying to attain a more positive, richer, and more meaningful existence. He discusses his journey from striving for 'bigger' to evolving towards 'better' and underlines the importance of commitment, trust, and overcoming jealousy. There's also a reflection on his relationship with God, spirituality's influence on his everyday choices and the transformative power of faith in his life. 00:00 Introduction and Life's Meaning 01:17 The Importance of Losing and Learning 02:09 Gratitude and Reality: Striking a Balance 03:13 The Journey from Bigger to Better 05:09 Managing Stress and Emotional Balance 07:56 Empathy and Emotional Connection 09:41 The Role of Family in Emotional Support 12:18 The Struggle of Balancing Work and Personal Life 21:33 The Power of Gratitude and Connection with God 30:16 Understanding Control and Surrender 31:21 Exploring the Concept of Suffering 31:57 Discussing the Idea of Heaven 32:21 The Role of Suffering in Faith 32:52 Life's Ups and Downs: A Metaphor 33:40 The Importance of Emotional Investment 34:15 Finding Fulfillment in Life 36:35 The Power of Choices 37:01 Navigating Modern Dating and Choices 44:17 The Complexity of Trust 47:13 Dealing with Jealousy 51:17 Understanding Hate and Its Impact 54:53 Final Thoughts and Reflections

Ever wondered what it takes to navigate the ever-changing landscape of mortgages and finance? Join me as I chat with Craig Pettit, a seasoned advisor with over 45 years in the trenches. This isn't your average dry financial talk. Craig's journey, from a young bank employee to a successful mortgage advisor, is packed with fascinating experiences and valuable insights. We'll delve into: • The rollercoaster ride of economic climates: Craig will share his firsthand perspective on navigating various economic ups and downs, offering unique insights into the past and a glimpse into the future. • Taming the interest rate beast: We'll explore the complexities of fluctuating interest rates and Craig's expert strategies for helping clients weather the storm. • Unlocking the secrets of the New Zealand economy: Craig sheds light on the factors that make New Zealand's economy tick, discussing the banking system, property market, and the impact of changing interest rates on individuals. • Beyond the numbers: personal anecdotes and investment wisdom: Get ready for a captivating blend of personal stories, practical advice, and Craig's investment strategies for navigating the current financial landscape. Whether you're a seasoned investor or just starting out, this conversation is packed with valuable takeaways to help you navigate the world of finance with confidence. So, grab your favorite beverage, buckle up, and get ready for an insightful and engaging discussion with Craig Pettit! 00:00 Introduction 00:13 Career Journey and Experiences 01:48 Reflections on Family Life and Moving Around 02:33 Insights into the Railways and Banking Industry 03:59 Changes in the Banking Industry and Technology 04:57 Government Involvement in Banking and Private Enterprise 05:38 Perspectives on Home Loans and Customer Characteristics 06:18 Thoughts on the Banking Industry Setup 10:15 Personal Career Journey and Transition to Mortgage Advising 10:56 Observations on the Banking Industry and Credit Scores 13:31 Discussion on the U.S. Economy and Currency 15:44 Insights into the New Zealand Banking System 18:10 Understanding the Impact of Inflation and Unemployment on Interest Rates 20:58 Reflections on Generational Differences and Property Investments 31:10 Advice for Navigating the Current Housing Market 42:29 Final Thoughts on the Robustness of the New Zealand Economy

Apply to be a podcast guest: https://findadvice.nz/podcast In this podcast, the host interviews Campbell Hastie, a mortgage broker, where they touch upon a variety of topics ranging from Campbell's controversial view on making a peanut butter sandwich to deep dives on the concept of consciousness. Campbell shares his unique perspective on the food he believes holds a special quality – the kind you'd catch, grow or kill yourself. He also compares the qualities of a good mortgage to a well-played game of hockey and emphasizes on trust as a major aspect of his business. Moreover, Campbell talks about his journey as a mortgage broker and how the focus on long-term rewards helped him survive during tough times. The conversation also includes an interesting take on the dynamics between life insurance and mortgage brokering. Guests website: https://hastiemortgages.co.nz/ 00:00 Introduction 00:22 Desert Island Meals and Food Preferences 00:57 The Magic of Self-Sourced Food 02:15 The Joy of Fishing and Hunting 02:54 Surviving in the Wild: A Reality Check 03:12 The Pleasures of YouTube and the Dilemma of TikTok 03:34 The Art and Science of Fishing 05:17 The Intriguing Life Cycle of Insects 05:56 The Thrill and Fear of Catching Fish 06:24 The Curious Case of Dolphins and Gannets 11:20 The Philosophy of Consciousness and Reincarnation 15:01 The School Life and Sports Experiences 17:37 The Art of Delivering Bad News 21:56 The Emotional Rollercoaster of Buying a House 23:31 The Art of Organizing Mortgages 24:06 The Journey of Becoming a Mortgage Broker 24:32 The Power of Word of Mouth in Business 25:09 Turning Crisis into Opportunity: Writing a Book 25:37 The Impact of PR and Media Exposure 26:49 The Importance of Consistency and Credibility 28:40 The Role of Referrals in Business Growth 29:28 The Art of Delivering a Good Job 31:53 The Importance of Trust in Business 37:56 The Power of Specialization in Business 41:30 The Value of Persistence and Resilience 50:03 The Power of Delayed Gratification 54:08 The Challenges of Compliance in the Mortgage Industry