Ryan J Melton & Greg Moyle public
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Emily Rust has supported recruiters and managers through to CEOs building high-performing teams, evaluating job success criteria, assessing performance, defining organisational culture, developing organisation-wide competency frameworks, and coaching people at all levels for professional growth and enhanced success. ________________________________…
 
Sam Farmer coaches people through change in three core areas of professional life: Next Generation Leadership; Psychosocial Growth; Professional Supervision. LINKS AND RESOURCES: ____________________________________________ Find sexual assault support near you-https://sexualabuse.org.nz/resources/find-sexual-assault-support-near-you/ Mental Health …
 
Robert Erskine & Tony Rutherford are the managing Parters of Copper Fox ____________________________________________ ►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton ____________________________________________ GUESTS DETAILS: ____________________________________________ ►Website: https://www.copperfox.org/ ►Robert's Linkedin: https://www.li…
 
So in this episode, we talk with Stewart. He's the managing director of FX consultants. And a lot of what he does is around the organizational psychology component because I think in business it's very easy to just focus on the bottom line, marketing and focusing on clients. He had an interesting story where he talked about his experience working i…
 
This podcast started a little bit out of the gate. Daniel Watson, he's a cyber security expert and has a back story working in the territorial forces defusing bombs. He talked about a person that was on their fishing boat who received an email saying we are going to share all the nasty things that you've been looking at online as well as what you'r…
 
I haven't met anyone like Sasha doing what Sasha does. She goes by the name Reno Girl. Well, that's what the website says. So I've decided that's the name she goes by. We talk about her experience as a young woman moving from Ukraine, working three jobs to support a family, and then also working in the corporate world, having to sit on a little lap…
 
We've got an interesting and diverse episode. Which is why I love doing this podcast. You don't know what the hell is going to come out of the stories. So this is Antoinette she's a lovely lady, a hypnotist as well as experienced in Neuro-linguistic programming. So essentially helping people discover their potential. The key areas she helps with ar…
 
In this episode, we speak with Sam Kamani. So he spoke on TED Talks. He sold 15,000 copies of his book, and he's part of an organization that have done $1.5 billion in transactions. And he talks about the idea of Web 3.0. And it's quite an overwhelming concept for many, but it's something we discuss throughout this is historic, technological advanc…
 
I need your help to make the podcast better. I'm not happy with the quality of the episodes so I'm going to take a break to brainstorm how to make things better. This whole thing wouldn't be possible without you so I'd love to hear suggestions. Send me your thoughts via email or social media: ►Tik Tok: https://www.tiktok.com/@ryanjmelton ►Linkedin:…
 
KiwiSaver is about to collapse and people aren't ready for it. What I'm talking about isn't necessarily something out of the blue. It's something that's been building since the global financial crisis in 2007. There was collateralized debt, essentially a combination of shitty loans that went together to make a good loan and with a good credit ratin…
 
Three reasons why I think you should think about investing in something other than the NZx 50: Home Bias - Check out the 'The randomness of Global Equity Returns ' by Dimensional Funds here:https://www.dimensional.com/us-en/insights/the-randomness-of-global-equity-returns Certain companies in the NZx50 are overweighted The liquidity is comparativel…
 
Question of the day: "I am 75 and have $70,000 in a conservative KiwiSaver fund. I will need some of this over the next few years. As the fees and losses for KiwiSaver are both substantial, is it better for me to withdraw all KiwiSaver funds and invest them in term deposits?" Source: https://maryholm.com/nz-herald-12-march-2022/ ►Book A Consultatio…
 
Question of the day: "We are fortunate enough to own our own home and a small holiday home, both mortgage-free. Estimated value $2 million and $600,000. This is taken from the lowest property value range. My partner just turned 65 and is on NZ Super. I am 63, have terminal cancer and I’m on Supported Living. Our problem is we have eaten through the…
 
►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation Tools for picking the Best KiwiSaver Fund in NZ Risk Tolerance: https://comms.anz.co.nz/kiwisaver-risk-profile ESG: https://mindfulmoney.nz/kiwisaver/checker/ Calculator: https://sorted.org.nz/tools/kiwisaver-calculator Comparing Funds: https://sorted.org.nz/tools/ki…
 
Welcome to Finance News, we're going to talk about the soaring price of petrol in New Zealand, which isn't pretty. I mean, a lot of us are already struggling just to live paycheck to paycheck. Now suddenly petrol prices are taking off and people are freaking out, so much so that the government has actually made a drastic change. What they're doing …
 
Anyone that's a first-home buyer, or looking to get another mortgage for their rental property, this is a video you need to see. The new lending law, that came into effect in December, has been updated. It was the CCCFA and there was a big drop in loan applications. Good people that could actually afford the loan, weren't getting the opportunity to…
 
Finding a job on Seek, Trademe or Indeed isn’t as easy as it sounds. Let alone trying to find your dream job. So, I thought I share my top for ways for getting your dream job in NZ. ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn fr…
 
This an episode from March 2020 in the midst of Covid where people’s KiwiSaver dropped by 20% to 30%: “The short answer is nothing. When the hysteria bus takes over you’ll start developing this compelling urge to do something. Change your growth fund to a conservative or jump ship to another company not as badly impacted. Though it may have given y…
 
When I was younger. I didn't know what I wanted to do. I would try and compensate because I didn't feel good enough. And I'd go out and just really try to prove to myself and to my family that I was worth something. I used to envy people. Like what's your purpose? How do you have it all worked out? How do you know what degree you're going to do? Ho…
 
William Tieu is one of New Zealand’s biggest finance influencers on Tik Tok. He has amassed close to 70,000 followers with content primarily focused around getting Kiwis into their first home. In this episode, he shares his journey from engineer to financial advisor and how he navigates the pursuit of passion whilst still looking after his young fa…
 
Quick fire finance question of the day: "My husband and I are 61 and 60. I work on a modest salary and my husband’s business unfortunately suffered badly as a result of Covid and he has had no meaningful work since March 2020. At the end of 2020 we sold our family home, as we had become empty nesters. We have downsized to a lovely apartment in a go…
 
Quickfire finance question of the day: "My husband and I are time-poor, and though I was fully across my own finances before we got together five years ago, we’ve since fallen into a pattern of him managing all the finances, and I feel I don’t know what’s going on. He is completely supportive of me being as involved as I like. What do you think is …
 
If you were ever to try and learn better ways to save money. Why not learn from a saving expert who helps people with managing their money better? Shirley McCombe, from Tauranga Budget Advisory, shares her best money saving tips, and why you need a budget that doesn’t feel like a ‘diet.’ Wanting to save money, instead of feeling as though you have …
 
Finding the best KiwiSaver provider in New Zealand is no mean feat. Like how do you even compare KiwiSaver providers or find the best one? Arguably you could say there is no ‘best’ KiwiSaver provider in New Zealand. But, there is a good KiwiSaver provider for you. In this episode, I speak with the Director of National Capital, Clive Fernandes, who …
 
The top five investment strategies in NZ: -KiwiSaver -Managed Funds -Rental Property -Index Funds -ETF’s ►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https:…
 
In this episode, I answer the most searched questions about financial advisors in NZ. -What does a financial advisor do? -Is paying a financial advisor worth it? -How do financial advisors get paid in NZ? -How do financial advisors get paid in NZ? ►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: …
 
This is from a leadership conference I ran in 2020. ►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Fi…
 
As a financial adviser in Auckland, I often get asked: how much do I need for retirement in NZ? If you’re looking to retire in New Zealand using term deposits, then the answer’s a lot. But with the right investment strategy, financial advice, and KiwiSaver provider, you can have a comfortable lifestyle in retirement. CHAPTERS: 0:00 Intro 00:12 How …
 
The best way to save 30% of your income is with these four money saving tips, and despite what you might think, it has nothing to do with a savings account. Here's my go-to on how to save money in NZ: CHAPTERS: 0:00 Intro 0:04 First money saving tip 01:08 Second money saving tip 02:53 Third money saving tip 05:14 Fourth money saving tip ►BOOK A FRE…
 
These 4 Money Traps to avoid in 2022, are less about money as they are about you. CHAPTERS: 0:00 Intro 0:11 First Money Trap 1:31 Second Money Trap 2:48 Third Money Trap 4:26 Fourth Money Trap ►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register …
 
Could 2022 be the year the markets finally crash? Is your KiwiSaver going to Zero? ►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►…
 
Inflation in New Zealand is taking off, is there an end in sight? CHAPTERS: 0:00 Intro 01:00 Why do I have such a strong emotional reaction to this person? 06:27 Do you think the markets have been healthy post-COVID crash? 10:00 Will inflation get under control this year? ►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consult…
 
Quick Fire Finance for the Day: "Here’s the thing. How on earth do you know the difference between investing and gambling? For the life of me, I cannot tell the difference. Bank deposits return almost nothing, so they are not much of an investment. You may as well hide your money in the rose garden. No taxes, no fees. Take a risk for a better retur…
 
Quick Fire Finance Question of the Day: "I am just about to finish your book A Richer You, and I wanted to ask for some advice. I love investing and at 20 years old I have a total of $20,000 across a Vanguard S&P 500 ETF and a smaller amount in New Zealand in the top 50 Smartshares fund. What else can I do to get more financially ahead in my twenti…
 
New legislation has recently come into force, that is having a huge impact on first home buyers, and existing property owners. The Credit Contracts and Consumer Finance Act, or CCCFA for short, isn't a new concept, but the changes are. The biggest change is that lenders now need to assess your income, and spending habits, to decide if you can fund …
 
Quick Fire Finance of the Day: “You always say to look at KiwiSaver fees[Mary Holms] and I’ve never been that bothered before. But seeing in recent columns how high the fees can get with a bigger balance has been eye opening. I’ve just checked my fund and there’s a 1 per cent base fee and 0.95 per cent performance fee. At a balance of $45,000 I’m o…
 
Quick Fire Finance of the Day: "I am over 65. I have continued my KiwiSaver account in ANZ’s Balanced Growth fund. I have placed nearly $150,000 in it. During the last two or three months it is not showing any growth. My intention is to grow the money and not use it for income as I have other sources of income currently. Where should I invest so th…
 
So, over the holidays I wrote a book, a children's book which started out being a children's book, but then sort of turned into a morbid teenager's book, and I don't even know why I wrote it in the end. But there's a message in there, and I think it's applicable during these times of uncertainty and our tendency to project as humans. So, I thought …
 
Quick Fire Finance Question of the Day: "We are fortunate to have paid off our mortgage and have no debt. We have switched the full amount of mortgage payments into an investment fund. I’m wondering if it might be smarter to instead borrow to buy a rental property, and hopefully earn capital gains on. The investment fund only earns returns on what …
 
Quick Fire Finance Question of the Day: "Hey guys, Love the content you've been producing. Haven't heard any discussion about Central banks yet but that's probably a dry topic for most. However, considering they're the biggest player in markets right now and subject to a lot of controversy, it'd be really interesting to get your take on them and wh…
 
In this episode, I speak on the pros and cons of New Zealand's favourite investment vehicles for retirement. RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register ►Subscribe to the NZ Guide To Financial Freedom Po…
 
If the market is about to collapse what can you do? RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the …
 
"Ryan talks to Debra about how to retire in style, without stress: How to ‘retread’ instead of retire i.e finding interests outside of work. Structuring your finances in a way that means you’re not dependent on the income of your business and can do the things you want in retirement. Protecting your family i.e estate planning, relationship property…
 
It's easy to look at someone's success and think it's not possible for you. That everything came easy. That there's no way you could get there because your challenges are unique. People don't understand how hard it is for you. There could be some truth to that, but the reality is, if you want something bad enough, and you put in the consistent work…
 
As humans it's so easy to get caught up in the crowd. Whether it's the German public acting as informants for the Nazi's, the 900 odd who committed suicide in Jonestown or the average joe walking past a tragedy without feeling the need to help. As much as we like to think of ourselves as wolves (not sheep) in reality, we are deeply impacted by the …
 
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