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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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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’re spending enough money …
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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 distributions are made? Do you have…
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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 behaviour? Let’s discuss. Speci…
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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] with Kiwis from all over…
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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 instead? In this podcast…
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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 regime? Got a burning money…
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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 customer and employee expe…
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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 for you! In this podcast e…
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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 also looking to move overs…
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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 starting a family What are bo…
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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 a special episode talkin…
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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 Auckland. We spoke about …
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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 your investments into ca…
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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 a new goal and how you c…
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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, Mastercard, Lloyds Bank…
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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 investment portfolio balance m…
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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 investing and savings journey. I…
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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. Specifically, we chatted abou…
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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 recently released 100-day actio…
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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:” Cat jumped on the IG …
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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 planning journey – what she t…
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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 provider, it went MIA. W…
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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 our financial lives. The l…
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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 investment analyst, she shifted …
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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 in the current climate. …
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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 funds, why use them and…
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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 parents can set their fa…
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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 sense after listening to t…
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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 situation, particularly in a ti…
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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 financial institutions you ma…
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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 sweet spot with how engag…
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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, particularly as a couple Tips …
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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 things career & money. In t…
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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 manages money as an individua…
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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 this episode where we'l…
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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 finance journey right out…
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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 graduating into a recession in N…
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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 jump right back in as C…
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Our podcast is all about having real, honest conversations about money. We believe that talking openly about our personal finances is the first step to building a better financial future for ourselves and our community. That's why this week and next, we're bringing you a two-part financial planning series in collaboration with Lighthouse Financial.…
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Today on the podcast Cat is joined by Tim Edwards, the Managing Director and Global Head of Index Investment Strategy at S&P Dow Jones Indices (S&P DJI). Tim hails from London and has vast experience working in derivatives all through to global equities. His team crunch data on over 2 million indices per day! In this episode we cover: The history o…
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Hello and welcome to a super special episode of It's No Secret - why is it so special you may ask? It's because we have a few milestones that we'll be celebrating! Firstly, today is the two-year anniversary of the podcast (woohoo!). Can you believe that it’s been two years already since we’ve been chatting away? The second milestone is that we are …
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Today on the podcast we're back with another Money Moments episode with Cat & Christine. Money Moments is where we chat with real Kiwis about their journey with money. In our case, it's an update on what happened after the Christmas break, how our international trips went, and what we've been up to with our finances since then. Specifically, we cha…
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With the 2023 general elections right around the corner, now is a great time to take a moment and reflect on how any change in leadership or government might impact your financial stability. Today we're looking at some key policies from a few political parties that could financially impact you if they are elected (or reelected). In this episode we …
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With interest rates on the rise, many of you are feeling the pinch - especially those with a mortgage! So, what steps can you take to help deal with the extra interest payments? Tune in to see what you can do to cut costs and give yourself more flexibility in the short term. In this episode we cover: Why extending your mortgage may be an option for…
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As the saying goes, "You have to spend money, to make money" but how much do you really have to spend, especially when it comes to investing? In New Zealand, there are costs that come with using investment platforms. More commonly, these include transaction fees and fund management fees, but what if we told you that there are a few more hidden cost…
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Where and how you decide to invest your money can be a big decision for many. So, it's important to consider all the factors that could affect the safety (or security) of your investments – including those in the fine print. In this episode we cover: A few common investing myths when it comes to the security of your money. e.g., Can I trust that my…
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In 2022 alone we’ve seen record interest rate rises, the highest rate of inflation in 30 years, house price declines, the threat of a looming recession and a number of global events that have added to the uncertainty. The good news is that there is still an opportunity for you to grow your wealth in 2023 - if you know the habits that lead to long-t…
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Are you nearing the stage of life where expanding your family is a focus or goal? In this episode, we cover: Costs to consider when having kids, and whether these should inform your decision or not Why you often have much longer to save for the expenses than you think Whether the reality of the finances with having kids versus the idea of it are th…
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For most Kiwis, withdrawing your KiwiSaver to purchase a first home is a no-brainer. In fact, NOT withdrawing it to do is likely more of a rarity. But is there an argument in favour of the former? Let's discuss. In this episode, we cover: The impact of withdrawing your KiwiSaver balance to buy a first home (or not) Whether Cat & Christine will be/h…
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Feeling the holiday financial stress? You're not alone - a recent survey found that 60% of Kiwis are feeling stressed by the costs of Christmas. If you're wondering how much you should be spending on presents, you're in the right place. In this episode, we'll help you set a budget that works for you and your loved ones, and give you some ideas for …
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