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It's No Secret

Catherine Emerson & Christine Jensen

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It’s No Secret is a podcast for Kiwis who want their money questions answered. Are you wondering when is the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting? If yes, you’re in the right place. Our hosts Cat Emerson and Christine Jensen will answer these questions and more. They’ll take you through the ins and outs of all things finance, money, property, investing and building wealth so you ...
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Send us a Text Message. Feeling guilty about your spending habits? In this episode, we uncover the psychology behind money guilt and offer practical tips to manage it. But what do we mean when we talk about money guilt? Money Coach Marnita Oppermann defines money guilt as “dealing with feelings of remorse, shame, or anxiety because of financial dec…
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Send us a Text Message. Today we’re going to run through a few money tips to help get you through tough financial times. It’s a challenging time out there right now for many people; interest rates have risen and remained high, therefore those who own homes are particularly struggling to cover the cost of their mortgage. Further, the cost of living …
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Send us a Text Message. Today we’re diving into the employment landscape. Whether you’re actively job hunting or just keeping an eye out, this episode has something for everyone. To help answer all our burning questions and provide an update on the current employment market, we're joined by Minta Holton, NZ Director at HOME Recruitment. HOME Recrui…
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Send us a Text Message. Today we're diving into the latest tax changes announced in the 2024 Budget. We'll break down what these changes mean for you, focusing on the new tax thresholds, adjustments to the Independent Earner Tax Credit, and the introduction of the Family Boost initiative. Disclaimer: While we aim to provide clarity on these updates…
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Send us a Text Message. In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel. This time, we'll be answering questions such as: What are some common pitfalls when investing a lump sum, in this case, we use the 7 million dollar Powerball winners If you should tell your friends and family if you w…
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Send us a Text Message. Today we’ll be chatting about whether private schools are “worth” the investment. We'll look at both the cost of sending your children to private school vs public, and weigh up some potential pros and cons of doing so. Disclaimer: the school you send your child to is very personal to your family, the child and your financial…
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Send us a Text Message. Today we’re back to chat about all things relationship property. Relationship property can be a bit of a sticky subject, particularly if you are approaching being in a de facto relationship, looking at getting married or otherwise. To chat with us today is a special guest joining us to share his knowledge on the topic, as we…
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Send us a Text Message. Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. This time, the real Kiwis are us! In this episode, we’re in the hot seat to give you an update on what’s going on with our lives financially. Our last check-in was back in December about 6 months ago, so let’s …
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Send us a Text Message. Many of us have goals we're saving towards, whether for the short, medium, or long term. If your goal is in the medium term (3-5 years) or long term (5+ years), you might wonder if you need to adjust your investments or savings strategy as you get closer to achieving it. Or, you might be nearing your goal and not realize it …
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Send us a Text Message. Today we're back with another Money Moments episode, where we chat to real Kiwis about money. In this episode, we are joined by Colin Magee, CEO of Catalist, the stock exchange connecting everyday investors and Kiwi businesses with big potential. Colin has over 2 decades of experience in financial services working as a finan…
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Send us a Text Message. In today's podcast episode, we’ll be answering the question of - how does the KiwiSaver joining/transfer process work behind the scenes? While expectations around banking/financial services these days are instant, unfortunately, the case with KiwiSaver transfers and many other investments isn't. Whether you're moving to NZ a…
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Send us a Text Message. In today's podcast episode, we’ll be chatting to you all about scams. Scams are a hot topic at the moment, just google ‘scams nz’ and look at the news and there are SO many recent articles sharing how someone has been scammed out of a significant amount of money. So let’s chat about how you can avoid them. In this episode we…
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Send us a Text Message. In today's podcast episode, we’ll be chatting to you about whether or not you’re spending enough money to maintain your health. Whether your health spending comes in the form of long weekends away, going to a therapist or even a boujee gym membership, investing in yourself can come in many forms. But how do you know if you’r…
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Send us a Text Message. In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from the Kernel inbox. This time, we'll be answering questions such as: What is compounding? Should I regularly invest, or save then invest money in one lump sum? What happens if you take money out before the quarterly distributio…
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Send us a Text Message. In today's podcast episode, we’ll be chatting about how people's differing money situations can affect friendships and ultimately behaviour. At some point, you’ve probably experienced a difference in wealth (or perceived wealth) between you and your friends. But should you let this difference in lifestyle affect your behavio…
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Send us a Text Message. Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we're joined by Sarah Kelsey, host of the personal finance & development podcast, the OneUp project. Sarah started her podcast over 4 years ago and has grown her listenership to over [345,000] …
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Send us a Text Message. In today's podcast episode, we’ll be chatting about whether or not the Kiwi dream of owning a bach is all that is cracked up to be. Many Kiwis often dream about having a bach to use as an escape during their extended breaks. But what if we told you that you may be better off putting that money towards boujee yearly holidays …
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Send us a Text Message. In honour of our favourite time of the year - aka tax time - we thought we’d answer a few commonly asked questions. Specifically, we answer: How important is tax when investing? Are NZ shares taxed differently from global shares? What benefit does investing through a trust give me, if at all? What the heck is the FIF tax reg…
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Send us a Text Message. Wondering how you can set up your children for financial success in the future? Then this podcast episode is for you! In this episode, we are joined by Co-Founder of SquareOne, Jovan Pavlicevic. Jovan has a background in starting businesses and wears many hats at SquareOne - from strategic capital raising to designing the cu…
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Send us a Text Message. In today's podcast episode, we’ll be revisiting the ever-important rainy day funds; more commonly known as emergency funds! While emergencies are rare, it is important to have money set aside for some peace of mind. So if you're looking for some inspiration on where to get started with your emergency fund, this episode is fo…
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Send us a Text Message. Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we’re joined by Chanel Clark, marketing extraordinaire and North Shore local. Chanel has recently transitioned from being a full-time employee to starting and running her own business AND is al…
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Send us a Text Message. In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel. This time, we'll be answering questions such as: How to invest a lump sum of money across different scenarios Are you better off having a nanny for your child or sending them to daycare? How to invest while also start…
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Send us a Text Message. In today's podcast episode, we’ll be talking about love and its costs. The cost of love sounds like it has a ‘negative connotation’ it doesn’t necessarily need to be that way. The reality is that costs can come with getting into, being in and/or ending a relationship with someone. So this Valentine's Day, we thought we'd do …
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Send us a Text Message. Today we're back with another Money Moments episode, where we chat to real Kiwis about money. We’re back with our friend Jervis, for an update on what’s happening in his financial world, since recording an initial Money Moments ~2 years ago. When we spoke to Jervis last, he lived and worked in a digital marketing agency in A…
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Send us a Text Message. In today's special podcast episode, we'll be answering many different questions that we often get in the DM's from the gram as well as a few Kernel customer questions. Specifically we'll be answering questions such as: What are the factors to consider when creating a joint account with your partner Should you convert all of …
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Send us a Text Message. Looking to achieve your 2024 New Year resolutions? Then this podcast episode is for you! We are almost in February the time New Year goals typically start to drop off. While creating audacious goals is easy, achieving them can take much longer. In this episode, we talk about a few different factors to consider when creating …
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Send us a Text Message. Today we're back with another Money Moments episode, where we chat to real Kiwis about money. Today on the podcast, we are joined by Jamie Jermain, Co-Founder & CEO at SquareOne, NZ’s first account and card built for the next generation. Jamie has worked in the payment space for over 20 years, including at the likes of Visa,…
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Send us a Text Message. In today's podcast, we're chatting about when the "right time" is to sell your investments if they're in the red (hint: there is no "right time"). Do you hold on and hope that it recovers its value, or do you cut your losses now and recoup what's left? We dig into this and more. Specifically, we discuss: Why does your invest…
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Send us a Text Message. Aaaand we're back with another Money Moments episode featuring Caitlyn Parker. Caitlyn is a Customer Success Manager, a Wellingtonian (at heart) and most importantly, a great friend. With over a decade of experience in the financial services and start-up space, Caitlyn has helped thousands of customers through their investin…
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Send us a Text Message. In today's podcast episode, we’ll be chatting about where you can put your spare cash. From the Official Cash Rate (OCR) rising and halting to the changes in the rate of inflation, a lot has happened this year in the world of money. So we thought that we'd check in on how a few of our favourite asset classes are doing. Speci…
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Send us a Text Message. In today's podcast episode, we’ll be chatting about another *potentially* spicy topic - politics! Well, not politics as in strong opinions. Instead, we'll be focusing more on the policies of the newly formed government. Since Christopher Luxon was newly sworn in, there has been a lot of media coverage surrounding the recentl…
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Send us a Text Message. In today's podcast episode, we’ll be chatting about a very spicy topic, which is why your home is for living in and not for growing wealth. This statement is one that came from a certain Instagram post from the Guardian sharing that ‘Australian housing wealth is meaningless, destructive and fundamentally changing our society…
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Send us a Text Message. It's that time of the year – wedding season is in full swing! Whether you're riding the high of a recent engagement, knee-deep in your wedding planning, or know someone about to get married, we're here with some golden tips to elevate your wedding experience. Specifically, we chat about: A sneak peek into Cat's wedding plann…
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Send us a Text Message. In today's podcast, we have a snippet of an unaired episode that was too good not to share. In this bonus episode, Cat shares how her husband, Luke almost lost $100,000 in his Australian Super. And no, we're not talking about market movements or poor investment choices. This was all because of a transfer error with the fund …
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Send us a Text Message. Hi friends! We're back after a wee break, just in time to get you through the Christmas break (and give you something to do when you’re fed up with your families, #soznotsoz). What better way to kick things off than with a Money Moments episode with us (Cat & Christine), getting you up to speed on what's been happening in ou…
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Send us a Text Message. Today on the podcast we are joined by Chelsea Traver, Founder & Investment Adviser at Evergreen Advice. Chelsea brings over a decade of experience in the financial space and has a strong background in investment analysis, specialising in Fixed Interest and Socially Responsible Investing. After years of working as an investme…
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Send us a Text Message. What are the common money misconceptions you've heard before? In this episode, we're bunking a few that we believe don't always stand true. It's #MoneyMonth in NZ during August; A yearly campaign run by Te Ara Ahunga Ora Retirement Commission (Sorted NZ). Money Month helps Kiwis maximise their money in a way that’s relevant …
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Send us a Text Message. As Kiwis, we’re savers at heart. Generally speaking, we tend to rely on savings accounts to grow your short-term money. But are there investment funds that might also be suitable for getting you to the same goals? *Cash Funds enter the room* The funds that Cat reckons are getting a glow-up in 2023. So what are these types of…
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Send us a Text Message. Recently, Kernel hosted an event in collaboration with Lighthouse Financial, Haigh Lyon, and Edwards & Co. all about the exciting world of investing for your family. And one of the panellists in this event actually happens to be our very own co-host, Cat! Tune into this special episode as Cat adds her unique insights on how …
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Send us a Text Message. On today’s podcast, we're back at it again with Insurance Specialist & Financial Adviser, Carley Ellis to dive into the financial side of all things unfortunate. If you haven't listened to part one, stop right now and go back to our previous episode. It's one not to miss. Plus this podcast will probably make a little more se…
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Send us a Text Message. On today’s podcast, we're joined by Insurance Specialist & Financial Adviser Carley Ellis to dive into the financial side of death. As a topic that isn't often openly talked about, today we have an honest chat about ensuring the cost of death - those around you, and yours - don't lead to having a large impact on your situati…
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Send us a Text Message. Today on the podcast we are joined by Daphne van der Oord, Head of Australia and New Zealand at S&P Dow Jones Indices. Daphne has an impressive career spanning 20 years, after graduating with a Bachelor of Science in Economics and History and a Master’s Degree in Applied Finance. Daphne has worked at many international finan…
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Send us a Text Message. You might've noticed that there is a new KiwiSaver provider on the block, this time offering a unique opportunity to DIY your KiwiSaver. On today's podcast we chat about what this entails, the pros and cons and whether DIY'ing your KiwiSaver is something you might like to consider. Specifically, we speak about: Finding the s…
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Send us a Text Message. After reflecting on our episodes this year so far, we wanted to pick out what we feel are our favourite moments so far. In this episode, we chat about: Reframing how we think about "living pay cheque to pay cheque" Whether side hustles are worth it or not, especially in tech Modeling financial behaviour for your kids, partic…
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Send us a Text Message. Back by popular demand is our friend and Recruitment Partner, Rose-Marie (Rosey) Nathan, to chat about navigating your career through a recession. With over 20 years of experience across various industries, Rosey has a deep understanding of the needs and goals of both candidates and organisations. She's our go-to for all thi…
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Send us a Text Message. In today's Money Moments episode, we're joined by Rachel Arcos, Automation Engineer, avid podcast listener, and big financial spreadsheet fan! Immigrating to NZ when she was young, we chat to Rachel about her and her family's experience with money growing up. From how this played into her career choice, and the way she manag…
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Send us a Text Message. Whether we're in a recession or not, a lot of us will probably agree that our budgets are feeling a bit tighter lately, and you're not wrong. From groceries all the way to mortgages, many Kiwis are feeling more and more worried about their money situations. But what can you do during more expensive times like this? Tune into…
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Send us a Text Message. Helloooo and welcome to this episode of Money Moments, where we chat with real Kiwis about their experiences with money. Today, we've got Tim Rodriguez, Marketing Coordinator and Gen Z'er spilling the tea on his personal finance journey. Tim's love for all things business and finance inspired him to prioritize his personal f…
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Send us a Text Message. In today's Money Moments episode, we're joined by Ryan Potter, friend, Senior Front End Developer, and all round good guy. We chat to Ryan about his journey with money - the good and the not-so-good - plus dig into what he's learned in his 10+ year career as a developer. Specifically, we chat about: What it was like graduati…
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Send us a Text Message. Aaand we're back for part two of our creating a financial plan series with Lighthouse Financial. If you haven't listened to part one, stop right now and go back to our previous episode. It's one not to miss. Plus this podcast will probably make a lot more sense after listening to the first one too. Without further ado, let's…
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