Podcasts about ANZ

Possibly the longest shownotes in history thanks to Gemini 3 Pro. Bless the swamp from which this AI slop emerged and enjoy the episode. Or just read this, I suppose. The title sucks terribly. Do better, Gemmo! Show Notes with Time‑Shifted Timestamps(All timestamps below have been shifted forward by 25 seconds to allow for theme music, as requested.)00:00 – Welcome, Cricket and the Pink Ball at the Gabba00:00:25 – Jack the Insider (Joel Hill) opens episode 137 of The Two Jacks and notes they're recording just after midday on 4 December.00:00:36 – Quick chat about the looming day–night Test at the Gabba and the prospect it could finish very quickly.00:00:44 – Hong Kong Jack explains why dusk session timings in Hong Kong line up perfectly with “Asahi o'clock”.00:01:07 – The Jacks wonder which pink ball is in use – Duke or Kookaburra – and what that means for Mitchell Starc and the batters.00:01:30 – They flag that full cricket chat will come later in the episode.Tai Po Fire, Mourning and Accountability in Hong Kong00:01:53 – Jack the Insider pivots from sport to tragedy: an update on the Tai Po (Typo) fire in Hong Kong, now with 159 dead, from ages 1 to 97.00:02:07 – Hong Kong Jack describes the government‑ordered three‑day citywide mourning period, mass flower layings, official ceremonies and a three‑minute silence.00:02:35 – Discussion of schools cancelling Christmas parties and staff functions in solidarity; a sense the tragedy is being taken seriously across society.00:02:55 – Hong Kong Jack outlines the judge‑led inquiry: not only into the Tai Po fire's causes, but also systemic issues in building management and renovation contracts on large estates, with hints of corruption.00:03:30 – Evidence emerging that the green construction cloth lacked proper fire retardant and that flammable materials were used to seal lift wells, helping the fire move inside.00:04:23 – Bodies, including one man, found in stairwells and lobbies; Hong Kong Jack cautions against jumping to conclusions before investigators reconstruct the fire.00:04:53 – Arrest tally climbs to around 12, mostly consultants/contractors involved in management and renovations rather than labourers.00:05:35 – Hong Kong Jack notes large numbers of displaced residents in hotels and temporary accommodation and outlines generous government payments to families of foreign domestic workers killed (about HKD 800,000 per family).00:06:05 – A harrowing vignette: a Javanese truck driver receives a final phone call from his wife, trapped with her employers' baby, seeking forgiveness because there is no escape.00:06:35 – The Jacks reflect on the horror of the story and promise to revisit the inquiry as more facts emerge.Australia's Under‑16 Social Media Restrictions & VPNs00:06:50 – Jack the Insider turns to domestic Australian politics: the under‑16 social media restrictions about to kick in.00:07:05 – He notes overwhelming parental support (around 80%) but says the government is now “hosing down expectations” and reframing the policy as a long‑term “cultural change” effort.00:07:30 – Platforms not yet on the restricted list – Roblox and Discord – are flagged as problematic globally for child sexual exploitation, illustrating rollout gaps.00:08:05 – They discuss technical enforcement: existing account age data, length of time on a platform and the likelihood that some adults will be wrongly flagged but quickly reinstated.00:08:35 – Jack the Insider explains the government's theory of cultural change: a generation that grows up never having had TikTok or Instagram under 16 “won't know what they're missing”.00:09:00 – Hong Kong Jack compares Australia to mainland China's efforts to control the internet and points out China still can't stamp out VPN usage, predicting similar Australian difficulties.00:09:25 – Jack the Insider clarifies that VPNs are not illegal in Australia; about 27% of connected Australians already use one, probably now closer to a third.00:09:55 – He strongly recommends everyone use a VPN for privacy and location masking, and warns that good VPNs now explicitly advise not to choose Australia as an exit node because of the new regime.00:11:00 – They note that Malaysia and several European countries (Denmark, Spain, France and EU initiatives) are eyeing similar under‑age social media restrictions, with large fines (Australia's up to about AUD 50 million or 1% of turnover).00:12:20 – Meta is already scanning and booting under‑age users, but teenagers are sharing tips on evading age checks. Jack the Insider describes various age‑verification methods: selfie‑based AI checks, account age, and Roblox's move to ban under‑15s.00:13:45 – Anecdote about Macau security doing ID checks: Hong Kong Jack's son is checked for being over 21, while Jack's own age makes ID unnecessary—an amusing generational moment.00:14:55 – The Jacks agree the policy is unlikely to stop kids having TikTok accounts but might “nudge” behaviour toward less screen time.00:16:00 – Jack the Insider stresses the real dangers of the internet—particularly organised child sexual exploitation rings like the notorious “764” network—and questions whether blunt prohibition can solve these issues.Bruce Lehrmann, Appeals and Costs00:18:22 – They move to the Bruce Lehrmann defamation saga: his appeal has failed and he's likely millions of dollars in debt.00:18:45 – Discussion of the prospect of a High Court appeal, the low likelihood of leave being granted, and the sense that further appeals are “good money after bad”.00:19:22 – Jack the Insider notes outstanding criminal charges against Lehrmann in Toowoomba relating to an alleged statutory rape, and outlines the allegation about removing a condom after earlier consensual sex.00:20:07 – They discuss the probable difficulty of prosecuting that case, and then pivot to the practical question: who is funding Lehrmann's ongoing legal adventures?00:20:35 – Hong Kong Jack explains why some lawyers or firms may take on such cases for profile, despite poor prospects of payment, and they canvass talk of crowdfunding efforts.00:21:07 – The Jacks agree Lehrmann should have left the public stage after the criminal trial was discontinued; now, bankruptcy in 2026 looks likely.00:21:58 – Limited sympathy for Channel 10 or Lisa Wilkinson; more sympathy reserved for Brittany Higgins and Fiona Brown, who are seen as exceptions in an otherwise “pretty ordinary” cast.NACC, Commissioner Brereton and Conflicts of Interest00:23:24 – The Jacks turn to the National Anti‑Corruption Commission (NACC) and Commissioner Paul Brereton's side work for Defence.00:24:03 – Hong Kong Jack recounts Senate Estimates footage where officials first claimed Brereton's Defence consulting work occurred outside NACC hours, then later admitted more than ten instances (possibly close to 20) during NACC office time.00:25:25 – Discussion of conflict‑of‑interest: the Commissioner maintaining a paid Defence relationship while heading the body that may need to investigate Defence.00:25:57 – The Jacks question the tenability of his position, especially given the NACC's opaque nature, its minimal public reporting obligations and a salary around AUD 800k–900k plus expenses.The Struggling Australian and Global Economy, Productivity and ANZ00:26:20 – Jack the Insider outlines Australia's sluggish economy: inflation remains sticky, GDP growth is flat, and government spending is driving much of the growth.00:27:00 – They discuss a small, tentative rise in productivity (around 0.2% for the quarter) and the Treasurer's caution that productivity figures are volatile.00:27:57 – Hong Kong Jack stresses that historically, economies escape malaise through productivity‑driven growth; there is no easy alternative, in Australia or globally.00:28:23 – Broader global picture: the US isn't in outright recession but is crawling; Europe is sluggish; Poland is a rare bright spot but rapid growth brings its own risks.ANZ and Post‑Royal Commission Failures00:28:54 – Focus shifts to ANZ's continuing governance and compliance failures after the Banking Royal Commission.00:29:30 – Jack the Insider shares a personal story about dealing with ANZ's deceased estates department following his mother and stepfather's deaths and the difficulty in releasing funds to pay for funerals.00:30:20 – Justice Jonathan Beach's scathing remarks: ANZ is still mishandling deceased estates, charging fees and interest to dead customers, despite years of warnings.00:31:34 – They recall Royal Commission revelations about “fees for no service” and charging the dead, plus ANZ's recent exclusion from certain Commonwealth bond business due to rorting.00:32:12 – The Jacks see this as a clear culture problem: five years on, the basics still aren't fixed, suggesting inadequate investment in compliance and little genuine reform.UK Justice Backlog and Curtailing Jury Trials00:33:05 – The conversation moves to the UK's proposal to restrict jury trials for offences likely to attract less than a two‑year sentence.00:33:35 – Hong Kong Jack notes the English historical attachment to jury trials dating back to Magna Carta, and that defendants have long had the right to opt for a jury if imprisonment is possible.00:34:38 – Justice Minister David Lammy, once a fierce critic of similar Tory proposals, is now advancing the idea himself, creating a political shambles.00:35:02 – They weigh up pros and cons of judge‑only trials for complex financial crimes, where juries may struggle to follow long, technical evidence.00:36:10 – Jack the Insider points out that even judges can find such cases difficult, but there is at least some expertise advantage.00:36:22 – They revisit the Southport riots and harsh sentences for people inciting attacks on hotels housing asylum seekers, arguing that common‑sense community judgment via juries may be better in such politically charged cases.00:37:26 – Ultimately, they doubt the reforms will meaningfully reduce the UK's huge court backlog and see it as another noisy but ineffective response.Ethics in Politics, Misleading Voters and the “Ethics Czar” Problem00:39:21 – Discussion moves to the UK budget, alleged “black holes” and whether the Chancellor misled voters about a AUD 22 billion‑equivalent gap.00:40:14 – They examine calls for the Prime Minister's ethics adviser, Sir Laurie Magnus, to rule on ministerial truthfulness, and Hong Kong Jack's discomfort with handing moral judgment to “anointed officials”.00:40:51 – The Jacks argue accountability should rest with Parliament and ultimately voters, not appointed ethics czars, whether in the Johnson era or now.00:41:36 – In Australia, Tony Burke's handling of “ISIS brides” returning to Australia is cited: he asked officials to leave a meeting so he could talk politically with constituents. The Jacks see this as legitimate hard‑headed politics in a very complex area rather than an ethical scandal.00:43:03 – Jack the Insider defends the principle that Australian citizenship must mean something, especially for children of ISIS‑linked families; stripping citizenship or abandoning citizens overseas can be a dangerous precedent.00:44:08 – Anecdotes segue into a broader reflection: politicians have always misled voters to some extent. They quote stories about Huey Long and Graham Richardson's defence of political lying.00:45:24 – They swap observations about “tells” when leaders like Malcolm Turnbull or Julia Gillard were lying; Scott Morrison, they say, had no visible tell at all.00:46:22 – Cabinet solidarity is framed as institutionally sanctioned lying: ministers must publicly back decisions they privately opposed, and yet the system requires that to function.Ukraine War, Peace Efforts and Putin's Rhetoric00:46:42 – The Jacks discuss reports of draft peace deals between Ukraine, the US and Russia that Moscow rejected over wording and guarantees.00:47:17 – Jack the Insider describes a gaunt Foreign Ministry spokesman, not Sergey Lavrov, delivering Russia's objections, sparking rumours about Lavrov's status.00:47:56 – Putin goes on TV to reassure Russians they're winning, threatens destruction of Europe if conflict escalates and claims territorial gains Russia doesn't actually hold.00:48:17 – Hong Kong Jack argues European fantasies of imposing a “strategic defeat” on Russia are unrealistic; retaking all occupied regions and Crimea would exact unbearable costs in lives and money.00:49:33 – The Jacks infer that Putin will eventually need to “sell” a negotiated deal as a victory to his own public; his current bluster is partly domestic theatre.00:49:50 – They note some odd, Trump‑like US talk of structuring peace as a “business deal” with economic incentives for Russia, which they find an odd fit for a brutal territorial war.Trump's Polling Collapse, Economic Credibility and 202600:50:13 – Attention turns to Donald Trump's polling in his second term: his net approval is negative across all major polls, in some cases approaching minus 20.00:51:04 – Jack the Insider highlights Trump's recent promises of USD 2,000 cheques to every American plus no income tax—claims they see as fantastical and electorally risky when voters inevitably ask “where's my money?”.00:51:39 – They compare Trump's denial of inflation and cost‑of‑living pressures to Biden's earlier mistakes in minimising pain; telling people “everything's cheaper now” when their lived experience contradicts that is politically fatal.00:52:34 – Hong Kong Jack notes history shows that insisting things are fine when voters know they aren't only accelerates your polling collapse.00:53:02 – They briefly touch on a special election in Tennessee: a safe Trump district where the Republican margin has shrunk. They caution against over‑reading the result but note softening support.00:54:14 – CNN's Harry Enten is quoted: this has been Trump's worst ten‑day polling run of the second term, with net approval among independents plunging to about minus 43 and a negative 34 on inflation.00:55:15 – They speculate about what this means for the 2026 midterms: Trump won't be on the ballot but will loom large. A future Republican president, they note, might still face governing without a Congressional majority.Disability, Elite Colleges and the Accommodation Arms Race00:56:07 – The Jacks discuss Derek Thompson's forthcoming Atlantic piece on surging disability registrations at elite US colleges: more than 20% at Brown and Harvard, 34% at Amherst and 38% at Stanford.00:57:10 – Hong Kong Jack explains how disability status yields exam and assessment advantages: extra time, flexible deadlines, better housing, etc., and why wealthy students are more likely to secure diagnoses.00:57:48 – They cite intake breakdowns at one college: small numbers for visual/hearing disabilities, larger numbers for autism, neurological conditions and especially psychological or emotional disabilities—suggesting a big shift in what counts as disabling.00:58:45 – Jack the Insider counters that many of these conditions were under‑diagnosed or ignored in the 1970s and 80s; growing recognition doesn't automatically mean fraud.00:59:40 – He brings in chronic conditions like ME/CFS: historically treated as malingering or “all in the head”, now increasingly accepted as serious and often disabling.01:00:02 – Hong Kong Jack quotes a Stanford professor asking, “At what point can we say no? 50%? 60%?”—underlining institutional concern that the system can't cope if a majority claim accommodations.01:01:05 – They wrestle with the employer's problem: how to interpret grades achieved with significant accommodations, and whether workplaces must also provide similar allowances.01:02:21 – Jack the Insider's answer is essentially yes: good employers should accommodate genuine disability, and it's on applicants to be upfront. He stresses diversity of ability and that many high‑achieving disabled people are valuable hires.01:03:40 – Hong Kong Jack remains more sceptical, shaped by long legal experience of people gaming systems, but agrees lawyers shouldn't be the priestly class defining morality.Cricket: India–South Africa, NZ–West Indies, BBL and the Gabba01:04:25 – They pivot back to sport: a successful South African tour of India, including a series win in Tests and a 1–1 one‑day series with big hundreds from Virat Kohli, Gaikwad and Aiden Markram.01:05:31 – Quick update on New Zealand's Test against the West Indies in Christchurch, with New Zealand rebuilding in their second innings through Ravindra and Latham.Women's Cricket and Phoebe Litchfield01:06:19 – Jack the Insider raves about the Sydney Thunder v Brisbane Heat game and singles out Phoebe Litchfield as the best women's batter in the world: technically sound, not a slogger, scoring “runs for fun” and hailing from Orange.Gabba Day–Night Test: Australia v England01:06:50 – With Usman Khawaja out, they discuss the unchanged 12 and whether Bo Webster plays, potentially pushing Travis Head up to open.01:07:39 – For England, Mark Wood hasn't recovered; they bring in Will Jacks, a batting all‑rounder and part‑time spinner, to bolster the order but lose their fastest bowler.01:08:11 – If you win the toss? Bat first, they say—if the conditions allow—and look to control the game with the bat for four hours or more.01:08:44 – They caution that with recent heavy Queensland rain, the pitch could be juicy whether you bat first or second; the key is getting cricket on Saturday.01:08:48 – Hong Kong Jack rates this as the best England attack to tour Australia in a long time, especially with Wood and Archer firing in Perth, although Archer's pace dropped markedly in the second innings.01:09:36 – They dissect England's first‑Test collapse: at one stage it was an “unlosable” match according to Ponting and the stats, but reckless strokes from set batters (Duckett, Pope, Root, Brook) handed it back to Australia.01:09:55 – Mitchell Starc's extraordinary home day–night record—averaging around 17 with the pink ball—looms as a big factor.Franchise Cricket, Empty Stadiums and Saving the Red‑Ball Game01:12:11 – Jack the Insider describes watching the ILT20 in the UAE: near‑empty stands, disengaged fielders and an overall “soulless” spectacle aimed solely at TV viewers in South Asia and the Gulf.01:13:49 – Despite his love of cricket, he worries this is a glimpse of the future if the longer formats aren't protected and nurtured. He pleads, in effect, for saving Test and other red‑ball cricket from being cannibalised by anonymous franchise leagues.Class and Cricket: Private Schools, Clubs and Stuart Broad01:14:11 – The Jacks explore the class divide in English cricket: all but one of England's Perth XI finished school at private schools; the sole exception is captain Ben Stokes, who grew up partly in New Zealand.01:15:05 – In contrast, Australia's pathway still runs largely through club cricket, though private schools with professional coaching (like Cranbrook) give some players a head start.01:15:47 – Jack the Insider notes Sam Conscientious (Sam Constance / Cummins reference is implied) spending two years at Cranbrook, reflecting how elite schools build academies with ex‑first‑class coaches that state systems can't match.01:16:20 – They agree state‑school kids like the Waugh twins still come through club cricket, but in England, some top private schools effectively operate as de facto county academies.01:17:31 – Anecdotes about Stuart Broad: a likeable “nepo baby” of former England player Chris Broad, who was toughened up by a formative season at Hoppers Crossing in Melbourne sub‑district cricket. Local players loved him.01:18:20 – Hong Kong Jack recommends Broad's appearance on The Front Bar as essential viewing for understanding his character and the cultural contrasts between English and Australian cricket.01:18:40 – More class culture: Chris Cowdrey, briefly England captain, shows up in full whites and blazer to toss with Viv Richards in surf shorts and thongs. When Cowdrey starts reading out England's XI, Viv cuts him off: “Mate, I don't care who you play, it's not going to make any difference.”F1, Oscar Piastri's Bad Luck and AFLW Glory01:21:11 – Brief detour to Formula 1: Oscar Piastri's season with McLaren seems dogged by terrible luck and questionable team decisions that have cost him a near‑certain championship.01:21:57 – Jack the Insider reflects on how F1 drivers like Piastri have effectively been in vehicles since toddlerhood, climbing the ladder from go‑karts to supercars.01:22:50 – They express hope he can clinch the title in the final race, but wryly note that F1 rarely grants fairytale endings.AFLW01:22:23 – AFLW: North Melbourne complete an undefeated season to win the premiership, comfortably beating Brisbane in the grand final.01:23:07 – Hong Kong Jack praises it as the best AFLW season yet, with marked improvement in depth and skill across the competition. North remain the benchmark everyone else must chase.Wrap‑Up, Tom Stoppard Anecdote and Season Timing01:23:49 – The Jacks look ahead to watching the Gabba Test, beers on ice for Jack the Insider and the late Hong Kong dusk session for Hong Kong Jack.01:24:01 – They note the death of playwright Tom Stoppard at 88 and share a favourite story: Spielberg offers him the Jaws screenplay; Stoppard declines because he's writing a play—“actually for BBC Radio”.01:25:11 – Final reflections on how Stoppard would have improved Jaws, then a note that the podcast will soon reach its final episodes for the year, with plans to feature listener feedback before a short summer break.01:25:56 – Jack the Insider signs off, thanking listeners and Hong Kong Jack, and promises they'll be back next week.

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Every decision Emily Milner makes comes back to one goal: sending her people home safe.In this Voices in Loss Prevention ‘25 episode, bp ANZ's Country Security Manager joins Auror's Sean Singh to discuss safety in high-risk retail and operational settings. Drawing on her two decades of experience, Emily shares bp's approach to security, from clear protocols for staff to accessible support during incidents. Emily and Sean cover topics like rising violence, citizens' arrest laws, and reporting systems that drive action. The conversation highlights the importance of protecting people first, whether on the frontlines or in the boardroom.In this episode, you'll learn about:Building safety processes that match real-world operationsHow global knowledge-sharing strengthens local security programsThe importance of celebrating effective safety actions on the frontlineJump into the conversation:(00:00) Emily Milner introduction(01:24) Lessons from working across retail, aviation, and terminals(03:15) How bp builds a people-first safety culture(04:59) Managing unintended risks from well-meaning interventions(07:07) Creating processes that match real-world store operations(10:46) Showing the human impact behind safety statistics(17:35) Challenges of staying ahead of organized retail crime(26:31) How technology is transforming incident response and prevention(31:18) Addressing the emotional toll of frontline incidentsResources:Sean's LinkedIn: https://www.linkedin.com/in/seandsingh/ Emily's LinkedIn: https://www.linkedin.com/in/emily-milner-183b912a/ Understand the latest organized retail crime trends: https://www.auror.co/retail-crime-insights-report Learn more about organized retail crime: https://www.auror.co/organized-retail-crimeRetail Secure Conference details: https://rccretailsecure.ca/agenda/bp's website: https://www.bp.com/

Episode #235 features Steve Hind — Co-Founder & CEO of Lorikeet, one of the fastest-growing AI companies backed by QED Investors, Square Peg, Blackbird and the founders of Canva.In this conversation, Steve traces his journey from growing up in regional Queensland to competitive debating, and then an unconventional path across BCG, Bridgewater, BuzzFeed, Stripe, Watershed and a Harvard MBA.Steve shares the lessons that shaped him: the discipline and thick skin he built through debating; the customer-first mindset he learned at Stripe and why he left; the performance culture and feedback systems he absorbed at Bridgewater; and the downsides of having strong opinions in environments that demand alignment.He also breaks down Lorikeet's early pivot, how the team found real product–market fit after painful false starts, and the company's rapid rise to US$75M+ raised in under 12 months.He explains why Lorikeet backs high-accuracy AI agents over copilots, how he thinks about safety and evaluation, and what he's learned about building product, culture, ambition and customer trust while scaling globally.It's time to explore your curiosity — please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/high→ Find out more about the Law Firm Allens and how they can help your company today at www.allens.com.auIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________CLICK HERE to read show notes from this conversation. Please enjoy!________Follow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ________The High Flyers Podcast is described as a "meticulously researched biography" that uncovers the untold stories of remarkable people and companies -- redefining the "high flyer". Launched in 2020, we have ranked in the global top ten podcasts for past two years, with listeners in 27 countries and over 200 episodes released. Excerpts of the podcast have been featured in Forbes, AFR, Daily Telegraph, and showcased at SXSW.200+ guests have joined host, Vidit Agarwal on the show from 15+ countries. Prominent guests include Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (VP, Product for Google Chrome, Photos and Drive), Andy Penn (CEO, Telstra), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Jillian Broadbent (Board Member, Macquarie Capital), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Jason Collins (Head of Australasia, BlackRock), Peter Varghese (Chief, Australia's Department of Foreign Affairs), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and many more. Our parent company, Curiosity Centre is your on-demand intelligence hub for knowledge, connections and growth to achieve your potential, everyday. Join 200,000+ Investors, Founders, Functional Leaders, CEOs and Emerging Leaders. Learn with the world's best and be 1% better everyday at https://curiositycentre.com

US job openings rise, supporting stocks ahead of the Fed's rate decision tomorrow. And the Reserve Bank of Australia holds a little less hawkishly than expected, but rate cuts appear to be off the table from here. In our Deep-Dive interview, ANZ's Chief Economist for Greater China Raymond Yeung looks at the outlook for prices and policy responses in China over 2026. Before accessing this podcast, please read the disclaimer at https://www.anz.com/institutional/five-in-five-podcast/

Today I am sharing a simple 3-step process to help you take stock of everything you have achieved in 2025.I work with a lot of clients throughout the year and one skill I find a lot of people don't exercise is that of reviewing their progress. In our coaching programs, we are big on recapping, reviewing and acknowledging the impact we are making... because if you don't, you can easily fall into the self-doubt trap wondering whether you're adding any value at all! And I don't want that for you!By the end of these 10 minutes, you'll walk away with a simple tool to help you uncover profound evidence of the impact you have made this year so that you can feel proud of your hard work but also have details to give you leverage over the next 12 months. Are you with me?Rebecca on the importance of reviewing your action:"At the end of year it's important to review because it's too easy to forget the value you have been making and get into those imposter style thoughts where you are doubting what you have accomplished. Understanding your impact is your fast track to building confidence." (Rebecca Allen, host Her Ambitious Career)Links:Extend the exercise I share in this ep by tuning into a related ep I recorded about this topic last year! Ep 162 – 3 Steps to Review a Busy Year & Acknowledge Your ImpactBook a Career Strategy Call with Rebecca - make sure you create the opportunities you want from your career in 2026Rate, Review, & Follow our Show on Apple Podcasts:Also, if you haven't done so already, follow the podcast. We air every week and I don't want you to miss out on a single broadcast. Follow now!About Rebecca:Rebecca Allen is a Career & Leadership Coach for corporate women, aspiring to senior levels of leadership. Over the last decade, Rebecca has helped women realise their potential at companies including Woolworths, ANZ, J.P. Morgan, PwC, Coca-Cola Amatil, Ministry of Defence, Frontier Sensing and AbbVie Medical Research through her Roadmap to Senior Leadership coaching programs. Connect with Rebecca

The Reserve Bank of Australia is expected to hold its cash rate at 3.6% later this afternoon. The Aussie dollar has rallied in anticipation of a rate hike next year. And China's trade surplus hits US$1 trillion. In our Deep-Dive interview, ANZ's Head of FX Research Mahjabeen Zaman analyses the immediate outlook for the US dollar ahead of the Fed's expected cut this week. Before accessing this podcast, please read the disclaimer at https://www.anz.com/institutional/five-in-five-podcast/

The ASX 200 slipped 10 points in quiet trade to 8624 (0.1%). Banks eased slightly with ANZ and NAB down around 0.7%. The Big Bank Basket up to $269.33 (0.3%). Other financials and insurers were firm, QBE up 1.1% and ZIP doing well, up 5.7%. Industrials wafted around, retailers fell with JBH and WES showing modest losses. REITs were slightly better, led by GMG and TLS had a good day as did REA. Technology stocks were mixed, WTC up 0.8% and XRO continuing to fall, off another 0.6%. The All-Tech Index rising 0.1%.In the miners, iron ore majors came under a little pressure, with RIO off 0.9%. Gold miners too were under some pressure as bullion drifted lower, NST down 1.4% and EVN off 2.1%. Lithium stocks were on a roll. PLS up 6.1% and LTR blasting 14.8% ahead on UBS upgrades and short covering. Uranium stocks down, modest losses only. BOE the exception falling 4.5%.In corporate news, NSR got an agreed bid from Brookfield-GIC at 286c. S&P have downgraded their credit outlook for ASX Ltd to “negative” from “stable”. TNE have backed the new CFO following his time with CTD.On the economic front, RBA meeting tomorrow, and almost a shoe-in for no change to rates. The AUD is trading at a 3-month high.Meanwhile in Asia, Japan up 0.5%, HK down 1.0% and China up 0.7%.10-year yields steady at 4.70%.US Futures – DJ up 18 points and Nasdaq up 66.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 meandered around waiting for the Test to start. At the close, the index was up 23 points to 8618 (0.3%) in a narrow trading range. Banks found some buyers with the Big Bank Basket rallying to $266.71 (0.8%) as ANZ continued higher, up 1.7%. Financials generally were on hold, REITs slid with GMG down 2.7% as higher bond yields took their toll after household spending showed renewed strength. Industrials too were wishy washy, ALL down 0.7% and COL off 1.7% with retailers falling, JBH down 2.1% and TPW falling another 2.4%. STP fell hard on a trading update. Tech stocks were slightly firmer, WTC did better after the investor day yesterday, up 1.7%, with 360 also better. The All-Tech Index drifted 0.3% lower.Resources were all about copper. BHP up 3.6% with RIO joining the fun and rising 3.9%. Gold miners slipped as a stronger AUD took its toll. Lithium stocks are also coming off the boil with VUL copping it on the capital raise and ex-entitlement. Oil and gas are modestly higher, with uranium stocks mixed. In corporate news, BEN is in the frame with job cuts, REG sold some aged care homes, and GEM updated the market on its former employee facing an additional 83 charges. On the economic front, stronger-than-expected household spending reignited rate rise fears. Asian markets, Japan recovered 1.8% with HK up 0.2% and China up 0.3%.10-year yields pushed higher again to 4.69%.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 rose just 16 points to 8595 (0.2%) after slightly disappointing GDP numbers boosted hopes for steady rates at least. Banks were stable, ANZ up % with the Big Bank Basket up to $264.60 (0.3%) with MQG bouncing back 1.0%. Other financials were quiet, REITs rallied on the GDP despite yields rising to 4.64%. Industrials eased back, BXB down 1.1%, healthcare slipped, SIG down 1.4% and retails drifted lower, APE down 0.4% and WEB off 1.0%. Tech was mixed, WTC up 4.5% on its Investor Day, XRO fell 0.2% and the All-Tech Index fell 0.1%. Resources were mixed, iron ore miners saw some profit taking as the first cargo from Simandou set sail. Gold miners also mixed with PRU bidding for PDI in shares. Lithium stocks eased, uranium better with PDN up 5.2% and DYL rising 4.7%. Nothing stirring in oil and gas.In corporate news, 4DX sprinted 16.0% out of the blocks after securing a US$10m CTVQ order from Philips. VUL in a trading halt with a mammoth capital raise to fund Lionheart. XYZ fell 6.0% on a presentation, and BET jumped 12.9% on a deal with Penn Entertainment.In economic news, GDP came in slightly below expectations at 0.4%, giving the RBA an excuse to pause. In China, service activity weakened. Asian markets mixed, Japan recovered 1.6% with HK down 0.9% and China flat.10-year yields pushed higher again to 4.64%.US Futures heading higher, Dow futures up 121 with Nasdaq up 50Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

European bourses started the morning flat/modestly firmer, but have since sauntered to session highs; US equity futures also modestly firmer.OpenAI CEO Altman declares a code red to combat threats to ChatGPT and plans to delay other initiatives such as advertising, according to The Information.DXY is modestly firmer, AUD initially outperformed after ANZ scaled back rate cut bets for 2026, but is now flat amidst USD-strength, USD/JPY rises back towards 156.00.Bonds are flat/modestly lower, Bunds little moved to EZ HICP whilst Gilts lag.Crude essentially flat in rangebound trade, XAU slips below USD 4.2k/oz.Looking ahead, highlights include US RCM/TIPP Economic Optimism, Earnings from Marvell & CrowdStrike.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

This week open banking officially went live for customers of the big four banks. That's ANZ, ASB, BNZ & Westpac. If you bank elsewhere your bank might not have enabled it quite yet. But exactly what is open banking? And how will it make a difference to you? To find out, Jesse is joined by Josh Daniell from open banking company Akahu.

Momentum Media was proud to bring the Women in Finance community together for the 2025 Women in Finance Summit and Awards in Sydney – a day and night celebrating excellence, leadership, and authentic storytelling across financial services. In this episode of the Women in Finance Podcast, host Annie Kane is joined once again by Natalie Smith, general manager, retail broker at ANZ, and a platinum partner of the Women in Finance Summit and Women in Finance Awards 2025. Fresh off the back of the event, they unpack the themes and standout moments from this year's summit – from the importance of building authentic businesses, to the power of community, flexibility, and support in helping women thrive in finance. Tune in to hear: Why authenticity and clarity of purpose are essential for building successful businesses. How ANZ is fostering gender inclusion through initiatives like its Doyenne program. How ANZ's new 2030 strategy will reshape the bank's customer-first approach. And much more!

Episode #234 features John Haddock — Chief Business Officer at Harvey, the fast-growing US$700M+ AI startup backed by Sequoia, OpenAI's Startup Fund, Kleiner Perkins and Elad Gil.In this conversation with host Vidit Agarwal, John reflects on his childhood in Phoenix, lessons from a decade at Stripe: working closely with the Collison brothers, leading across sales, product and global risk, and helping build foundational products like card issuing — and why he ultimately jumped to Harvey at a pivotal moment in AI.John also unpacks how he builds credibility, develops teams, stays close to customers, and manages the speed, trust and complexity required to scale enterprise AI globally, including Harvey's early growth in Australia and the UK.It's time to explore your curiosity — please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/highIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________CLICK HERE to read show notes from this conversation. Please enjoy!________Follow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ________The High Flyers Podcast is described as a "meticulously researched biography" that uncovers the untold stories of remarkable people and companies -- redefining the "high flyer". Launched in 2020, we have ranked in the global top ten podcasts for past two years, with listeners in 27 countries and over 200 episodes released. Excerpts of the podcast have been featured in Forbes, AFR, Daily Telegraph, and showcased at SXSW.200+ guests have joined host, Vidit Agarwal on the show from 15+ countries. Prominent guests include Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (VP, Product for Google Chrome, Photos and Drive), Andy Penn (CEO, Telstra), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jillian Broadbent (Board Member, Macquarie Capital), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond Football Club), Jason Collins (Head of Australasia, BlackRock), Peter Varghese (Former Chief of Australia's Department of Foreign Affairs + Australia's High Comissioner to India) and many more. Our parent company, Curiosity Centre is your on-demand intelligence hub for knowledge, connections and growth to achieve your potential, everyday. Join 200,000+ Investors, Founders, Functional Leaders, CEOs and Emerging Leaders. Learn with the world's best and be 1% better everyday at https://curiositycentre.com

If you want to be successful in an upcoming interview, or internal opportunity for promotion, knowing more about sales could be the differentiator! My guest today is sales expert Susan Englehutt, Founder of The Way Buyers Buy. Sandra is looking today at how to apply sales techniques to your own process as you look to sell YOU... and it makes for an interesting conversation!In the next 20 minutes, we are exploring the difference between Why, How and What buyers and how to present yourself as the potential solution to your hiring manager's problems! Susan, on how to shift your interview style to be more successful:"To set yourself up for a more senior role, a critical question you can ask them is 'What has changed?' By asking this you are trying to understand what their problems and opportunities are. Change can be lots of things: what strategic plans have moved? What new products are there? Is there a new mission, vision or values? These questions matter to the WHY buyer. And then you can seed ideas as to how you could help them solve those problems."Links:Connect with Susan on LinkedInVisit The Way Buyers Buy websiteListen to a related episode with Rebecca: Next-Level Interview Prep: How to Do Your Due Diligence & Assess Cultural FitAnd a 'shorty' episode: 3 Mistakes to Avoid When Interviewing for a Senior RoleFor Career & Leadership coaching, connect with Rebecca Allen on Linkedin or visit the Illuminate website Rate, Review, & Follow our Show on Apple Podcasts:Also, if you haven't done so already, follow the podcast. We air every week and I don't want you to miss out on a single broadcast. Follow now!About Susan:Susan Englehutt is the founder and creator of The Way Buyers Buy: the program growing and shifting companies actually need when they have hired more sales people, or purchased sales training and it didn't work. A born simplifier and visual thinker, Susan is an expert sales consultant and trainer. Her specialty is helping the leaders of B2B companies and their teams. Susan has been a consultant to huge Fortune 50 companies like Verizon, IBM, Microsoft, and Dell and to small and medium companies too. Today, she loves working with nimble and innovative companies and teams who need quick shifts and lasting change in the way they think, behave, market and sell.  About Rebecca:Rebecca Allen is a Career & Leadership Coach for corporate women, aspiring to senior levels of leadership. Over the last decade, Rebecca has helped women realise their potential at companies including Woolworths, ANZ, J.P. Morgan, PwC, Coca-Cola Amatil, Ministry of Defence, Frontier Sensing and AbbVie Medical Research through her Roadmap to Senior Leadership coaching programs. 

The ASX 200 dropped 49 points to 8565 (0.6%) after a promising start. US futures in the negative hurt sentiment, together with Japanese losses on higher rates coming. Losses pretty much across the board, CSL fell 1.4% on vaccine concerns, the banks wilted with the Big Bank Basket down to $262.95 (0.7%). ANZ falling 1.3% and financials under pressure, HUB down 4.5% and NWL falling 4.0%. MQG dipped 0.4%. REITS slid with SGP down 2.3% and VCX off 1.2%. Industrials also sliding, TLS down 1.2% with CPU falling 3.3% and REA off 0.8%. Tech slipped, WTC down 2.6% and TNE falling 2.1%. Retail also in the doldrums, TPW resumed the dive, off 7.3%, APE similarly off 2.1% and NCK down 3.0%.In resources, Iron ore majors held firm, gold miners were mixed despite bullion rising, EVN down 1.9% and lithium stocks depressed, PLS off 3.2% and MIN down 3.9%. Oil and gas stocks rose, WDS up 0.9% and uranium stocks mixed.In corporate news, AUB smashed 17.8% lower as the bid was withdrawn, TWE has cleared the decks for the new CEO with a $687m impairment on US goodwill. PME dipped 1.6% on another order, the ASX itself had issues this morning with its announcement platform falling 2.8% as many stocks were put into a trading halt.Nothing on the local economic front. Japan opened the door a little further on rate rises.Asia markets mixed, Japan down 1.8%, China up 0.8% And HK up 0.8%.10-year yields pushing to 4.56%.US futures – Dow down 267 Nasdaq down 273. The holiday season is over.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

I've reached the conclusion that when it comes to the banks and mortgage rates, the only option you've got left is to hustle. You're on your own here. It has been 2 days since the Reserve Bank cut the official cash rate, and by how much do you think the big banks have cut their fixed rates? No, not a jot. Not, not a single basis point. Absolutely nothing has come off their fixed rates. It's not particularly helpful from the banks cause, you know, we're trying to get the country out of recession and the point of cutting the OCR is that the mortgage rates come down and then when you refix, you've got more disposable cash and the more cash you have, the more you're gonna spend and the faster we're gonna get out of this recession. So thumbs up and thanks very much to the big banks for not helping. Obviously, it's smart business for them. They need to make as much money as they can. The prediction is they will eventually cut the OCR cut their mortgage rates, but it'll be next year. It won't be this side of Christmas, and no one's going to be able to force them. There is, everybody has fired all their bullets at this stage. The Reserve Bank's cut as much out of the OCR as it can. The critics have written their columns, have given their interviews. Nothing's happened. The government's accepted all the recommendations of the select Committee inquiry, and I think we all know that that's a damp squib. And to be honest, when it comes to the government, for them to do anything meaningful to the banks, it would have to be. Something as massive as breaking up ANZ and ASB and the horror that that would send through the investment community would potentially be worse than us paying too much in mortgage interest rates at the moment. So, The only conclusion you're gonna reach is that you're on your own. No one is coming to save you from the banks. No one's gonna force them to pass on the OCR cuts if they don't want to. You're gonna have to hustle. So when you refix, demand a better rate. Look at what the advertised rate is and then tell them to shave 50 basis points off and if they don't cross the road to another bank that will. That is competition. You're on your own. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The ASX 200 drifted lower today in listless trade finishing down 3 to 8614. Up 2.4% this week. Banks eased back with the Big Bank Basket down to $264.84 (-1.1%) as CBA dropped 1.3% and ANZ down 1.4%. SUN continued lower on storm damage. Other financials rose with NWL up 0.7% and GQG rising 2.0%. Industrials mostly better, WES up 0.6% with WOW up 3.2% as tech did well today. WTC rallied another 4.7%, though XRO down 0.7%. The All-Tech Index was up.In resources, gold miners once again the stars of the show. NEM up 2.0% and VAU gaining 2.7% as lithium stocks also did well. PLS up 2.5% and MIN up 2.2% Uranium stocks slightly better, but oil and gas stocks drifted down.In corporate news, CTD remain in suspension on accounting issues, WBC fell 0.8% on a NZ fine, and SGR unchanged on a cleansing prospectus to allow Bally shares to trade on market.Nothing on the economic front. Asia markets flat, Japan up 0.3%, China up 0.2% And HK up 0.1%.10-year yields pushing to 4.53%.US futures – Dow up 52, Nasdaq up 46.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Economists are supposed to predict the future, but how do they actually do it? And how accurate are those forecasts, really?In this episode, Ed and Andrew sit down with Sharon Zollner, Chief Economist at ANZ New Zealand, to reveal how economists build (and sometimes miss) their predictions. You'll learn:The maths, data, and gut instinct that go into a forecastWhy house sales, interest rates, and migration are key to predicting property trendsThe biggest mistakes economists (and investors) make when reading the marketEd and Andrew also ask Sharon about her latest ANZ forecasts, whether NZ's economy has truly turned a corner, and why house prices still shape how Kiwis feel about money.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account and Wealth Plan here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠

Markets are quiet with the US on Thanksgiving holiday. Data centres underpin an Australian investment jump, putting further pressure on RBA to hold rates. And The Bank of Korea holds rates. In our Deep-Dive interview, ANZ's New Zealand Business Outlook hit its highest point in a decade - something ANZ New Zealand Chief Economist Sharon Zollner says shows the economy has turned. Before accessing this podcast, please read the disclaimer at https://www.anz.com/institutional/five-in-five-podcast/

Major banks have already dropped their advertised home loan rates after the cut to the official cash rate. ANZ's chief economist Sharon Zollner spoke to Corin Dann.

Send Us A Message! Let us know what you think.Topic #1:  NZ Herald 19th of November- Capital gains tax wouldn't have raised much in recent years - CotalityTopic #2: RNZ 20th of November - The difference in investing strategies between over-60s and under-30sTopic #3: Oneroof 19th of November- Homeowners could get up to $15,000 as ANZ boosts its cashback to 1.5%Topic #4: TradeMe 20th of November - What new Auckland Council housing intensification proposals (PC 120) mean for youTopic #5: NZ Adviser 20th of November - Final OCR cut expected, door left open for more#KiwiSaver #HardshipWithdrawal #KiwiSaverNews #RetirementFunds #FinancialPlanning #MoneyMatters #FinancialLiteracy #FinancePodcast #MoneyTalks #WealthTips #SmartMoneyMoves #NZFinance #FinanceDebate #FinancialAwareness #InvestingInNZ #KiwiSaverReform #PersonalFinanceSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Episode #233 features Peter Varghese — widely regarded as one of Australia's most influential architects of foreign policy. He currently serves as Chancellor of the University of Queensland and previously held two of the Australian Government's most senior diplomatic roles: Secretary of the Department of Foreign Affairs and Trade and Australia's High Commissioner to India.Born in Kenya and arriving in Australia in the 1960's under the White Australia Policy, Peter rose from “accidental public servant” to one of the nation's most influential foreign policy leaders — advising Prime Ministers, running Australia's peak intelligence agency, shaping DFAT, crafting the India strategy, and now driving UQ's global and Australia–India partnerships.In this conversation with Vidit Agarwal, Peter reflects on his identity, diplomacy, the craft of clear thinking, Australia-India relations and the lessons from a career defined by courage, conviction and national impact.It's time to explore your curiosity — please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/highIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________CLICK HERE to read show notes from this conversation. Please enjoy!________Follow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ________This is the fourth episode in this special series with the Australian Government and their Centre for Australia–India Relations, highlighting the deepening ties between Australia and India across technology, business, media, culture and sport. With nearly one million people of Indian heritage now calling Australia home—the country's fastest-growing large diaspora—this series brings to light the untold stories of change makers shaping the future of both nations.________The High Flyers Podcast is described as a "meticulously researched biography" that uncovers the untold stories of remarkable people and companies -- redefining the "high flyer". Launched in 2020, we have ranked in the global top ten podcasts for past two years, with listeners in 27 countries and over 200 episodes released. Excerpts of the podcast have been featured in Forbes, AFR, Daily Telegraph, and showcased at SXSW.200+ guests have joined host, Vidit Agarwal on the show from 15+ countries. Prominent guests include Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (VP, Product for Google Chrome, Photos and Drive), Andy Penn (CEO, Telstra), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jillian Broadbent (Board Member, Macquarie Capital), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond Football Club), Jason Collins (Head of Australasia, BlackRock) and many more. Our parent company, Curiosity Centre is your on-demand intelligence hub for knowledge, connections and growth to achieve your potential, everyday. Join 200,000+ Investors, Founders, Functional Leaders, CEOs and Emerging Leaders. Learn with the world's best and be 1% better everyday at https://curiositycentre.com

Today we are looking at the humble topic of time management! Are you running on fumes?Do you need some new ways to manage your time more effectively?Join me as we explore 7 fresh and exciting ways to manage your time that put you firmly in charge of your calendar, energy and SANITY! Rebecca on making a real impact:"To-do lists are my nemesis! Not everything on your to-do list is equal. Review the stuff on your to-do list and decide which of the tasks will give you the biggest return of investment in terms of your time, energy and the impact you'll make by delivering that task?" (Rebecca Allen, host Her Ambitious Career)Links:Read this related blog post: Are You a People Pleasing Leader? Book a Career Strategy Call with RebeccaRate, Review, & Follow our Show on Apple Podcasts:Also, if you haven't done so already, follow the podcast. We air every week and I don't want you to miss out on a single broadcast. Follow now!About Rebecca:Rebecca Allen is a Career & Leadership Coach for corporate women, aspiring to senior levels of leadership. Over the last decade, Rebecca has helped women realise their potential at companies including Woolworths, ANZ, J.P. Morgan, PwC, Coca-Cola Amatil, Ministry of Defence, Frontier Sensing and AbbVie Medical Research through her Roadmap to Senior Leadership coaching programs. Connect with Rebecca

This episode, from late last year, sees ANZ's chief information security officer Dr Maria Milosavljevic talk all things security. We'll be back with a new episode soon.

WORK180 is taking the mystery out of your job search - because you deserve to know how equitable an organisation really is, before you apply for roles.My guest today is Gemma Lloyd CEO and co-founder of WORK180, a specialised jobsite used by over 1.5m women globally to find roles that align with their core values. WORK180 champions workplace transparency and publishes data regarding pay gap, workplace benefits and leadership equity.In this episode, Gemma:Explains key findings from WORK180's annual What Women Want report as well as the three biggest priorities for women when deciding on a new employer Talks to the fact that WORK180 endorsed companies are able to build trust more effectively by being transparent and by actively increasing women's representation - she also outlines what else these companies are doing differently to attract female talent Gemma, on the transparency women want:"There's been such a distrust built over the years where employers have put out these flashy branding materials around how they support people but not really walking the talk. On our platform, we rank over 7000 employers [on a number of measures such as] their paid-parental leave policy; their promotion rates of women; pay; and other policies and support so that women have that knowledge before they apply for a role." Links:Read the What Women Want Report 2025Visit WORK180 and compare jobs, employers, policies and work benefits and find a workplace that suits youFor Career & Leadership coaching, connect with Rebecca Allen on Linkedin or visit the Illuminate website Rate, Review, & Follow our Show on Apple Podcasts:Also, if you haven't done so already, follow the podcast. We air every week and I don't want you to miss out on a single broadcast. Follow now!About Gemma:After spending a decade in the tech industry, facing sexism and discrimination, Gemma Lloyd co-founded WORK180 in 2015 with the mission to create a more equitable working world for women. Trusted by millions across the U.S., U.K., and Australia, WORK180 champions workplace transparency and progress. Gemma regularly speaks on diversity, equity, inclusion, and women's entrepreneurship. Her work has been featured on Channel 10's The Project, Channel 7's The Today Show, Sky News, ABC Radio, and The Drum. About Rebecca:Rebecca Allen is a Career & Leadership Coach for corporate women, aspiring to senior levels of leadership. Over the last decade, Rebecca has helped women realise their potential at companies including Woolworths, ANZ, J.P. Morgan, PwC, Coca-Cola Amatil, Ministry of Defence, Frontier Sensing and AbbVie Medical Research through her Roadmap to Senior Leadership coaching programs. 

Today’s we're doing something a little different thanks to our mates at ANZ. We’re teaming up with ANZ to talk about something really important: financial confidence and KiwiSaver. Hayley's sitting down with fellow ZM gal Georgia Burt to interview her about how she thinks about money, the future, and what she's learned along the way. Book your free KiwiSaver Check-in with ANZ and take a confident step toward your financial future. ANZ New Zealand Investments Limited is the issuer and manager of ANZ's KiwiSaver schemes. See advice statement, scheme guides and product disclosure statements at anz.co.nz. See omnystudio.com/listener for privacy information.

The Government says it will act on all 19 recommendations from Parliament's banking inquiry - and it's committed to increasing scrutiny around the banking sector. This comes as Westpac and ANZ report significant increases in profit, prompting concern from experts. Kent Duston from the Banking Reform Coalition says the proposed changes make good steps forward, but it's unclear how much of a difference they will make. "I think the big issue here is that the banks simply don't care. Whatever Parliament says - we're on the back of an inquiry from the Commerce Commission, another inquiry from Parliament from the select committee...whatever it is Parliament's saying, clearly the banks aren't listening." LISTEN ABOVESee omnystudio.com/listener for privacy information.

ANZ this week reported a record full year profit of 2.53 billion dollars. Its CEO Antonia Watson says the result is a reflection of the economy, and shows New Zealand is starting to turn the corner. Watson spoke to Corin Dann.

The ASX200 slipped just over 0.1 % as about 40 % of stocks fell. CBA dropped about 3 % after a 6.5 % plunge yesterday and tech fell 3.3 %. Mineral Resources surged over 9 % on a US$765 m POSCO lithium deal, while Liontown rose 6 % and Life360 was the worst performer. Markets watch October jobs data, the next RBA meeting, ANZ’s ex‑dividend and US oil inventories, with oil at US$61 a barrel. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Growing optimism that the US government shutdown could end this week has lifted share markets, including the ASX-200. Plus, ANZ has reported a full-year cash profit of $5.8 billion, down by 14 per cent after factoring in legal penalties and the costs of mass redundancies. For more, Stephanie Youssef spoke with Mathan Somasundaram, CEO of Deep Data Analytics.

Leaders are running on fumes. There are plenty of reasons why plenty of leaders are feeling fatigued right now. In this ep, I am exploring my observations of the issues many clients are struggling with and some ideas to combat it.We are talking about:Navigating constant change and tech moving faster than policy or skill developmentDilemmas surrounding forging team connection and collaboration The increased need for 'ambiguity tolerance'Making time to be strategic and not getting caught up in the detailCommunicating clearly and consistentlyFocusing on EQ skills and resilienceManging diverse expectationsAnd maintaining an authentic leadership style (despite all the above!)Rebecca on leading through ambiguity:"Ambiguity tolerance has become a core leadership skill because being able to have all the data, or having clear answers at your fingertips, is becoming rarer. The speed at which execution is needed also has leaders expected to make confident decisions even when data is incomplete. If you are feeling the tug of expectations, you are not alone." (Rebecca Allen, host Her Ambitious Career)Links:Here are some solutions: Ep 199 – Leadership Fundamentals (Part 3): Adaptability & ResilienceAnd: Ep 195 – The Top 5 Skills Employers Want Most This Decade Are Human-CentricAnd: 3 Reasons You Need a Career Coach Like Me (9 min)Book a Career Strategy Call with RebeccaRate, Review, & Follow our Show on Apple Podcasts:Also, if you haven't done so already, follow the podcast. We air every week and I don't want you to miss out on a single broadcast. Follow now!About Rebecca:Rebecca Allen is a Career & Leadership Coach for corporate women, aspiring to senior levels of leadership. Over the last decade, Rebecca has helped women realise their potential at companies including Woolworths, ANZ, J.P. Morgan, PwC, Coca-Cola Amatil, Ministry of Defence, Frontier Sensing and AbbVie Medical Research through her Roadmap to Senior Leadership coaching programs. Connect with Rebecca

Federal MP Zali Steggall is predicting the Liberal Party will be obliterated if it backs down on Net Zero. With a decision imminent this week from the embattled Opposition Leader over its policy stance. Zali says now is the time for Sussan Ley to stand up to the Nationals. In this episode of The Briefing, Natarsha Belling is joined by Zali Steggall, who says we are all paying the price for the lack of action on the climate crisis. Headlines: The United States Senate has voted to end a government shutdown, two senior BBC executives have resigned, and ANZ has recorded a 10% decline in yearly profits. Follow The Briefing: TikTok: @thebriefingpodInstagram: @thebriefingpodcast YouTube: @TheBriefingPodcastFacebook: @LiSTNR Newsroom See omnystudio.com/listener for privacy information.

The boss of our largest bank says its latest rise in profit doesn't tell the full story. ANZ New Zealand's annual profit has reached a new record high of $2.53 billion – up 21% on last year. That compares to a 13% rise for Westpac and no major change for BNZ and ASB. But Chief Executive Antonia Watson told Mike Hosking when you exclude the bank's hedging investments, cash profit isn't rising nearly as fast. She says that headline growth in a cost of living crisis is very uncomfortable, but underlying profit is only up 4%. LISTEN ABOVE See omnystudio.com/listener for privacy information.

On the Mike Hosking Breakfast Full Show Podcast for Tuesday 11th of November, the mess with Te Pāti Māori has resulted in the expulsion of two of its MPs and a communication breakdown is being blamed for the situation. ANZ CEO Antonia Watson is on to talk their massive record profit and bank margins amidst the RBNZ capital review. Dimitrius Koloamatangi is the Kiwi star of the new 'Predator: Badlands' film, and joined for a chat about his role in a major Hollywood franchise. Get the Mike Hosking Breakfast Full Show Podcast every weekday morning on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

On the Heather du Plessis-Allan Drive Full Show Podcast for Monday, 10 November 2025, the Maori Party has expelled two of its own MPs in the latest episode of the party's implosion. Former leader Te Ururoa Flavell speculates where this will go next. ANZ chief executive Antonia Watson defends the company's huge $2.5 billion profit - a 21% rise! Cook Islands opposition leader Tina Browne reacts to news that New Zealand has suspended $30 million dollars in funding over its diplomatic spat with the Cooks. Finance Minister Nicola Willis talks bank profits and asset sales. The Huddle debates the future of the Maori Party and the Cooks. Plus, how producer Antz found out he was owed $400 dollars ... and you might be too! Get the Heather du Plessis-Allan Drive Full Show Podcast every weekday evening on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Tonight on The Huddle, Trish Sherson from Sherson-Willis PR and Child Fund CEO Josie Pagani joined in on a discussion about the following issues of the day - and more! Foreign Minister Winston Peters has confirmed funding will still be withheld from the Cook Islands off the back of their China partnership. Is this the right tactic? Should we go further and threaten withdrawing citizenship rights? ANZ has announced a significant profit boost today - should we be concerned? Or is this just business? Tākuta Ferris and Mariameno Kapa-Kingi have been expelled from Te Pāti Māori after weeks of political infighting. Is this the end of the drama? LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Aussie market kicked off the week with a strong gain, having its best session in more than three weeks after lifting about three quarters of a percent. Confidence improved after reports the 40-day US government shutdown could soon end, and China eased export restrictions on some metals. Tech, energy and mining stocks led the way, while ANZ rose more than 3% after posting full-year results that showed profit down 14% but a steady dividend. Liontown, Dyno Nobel and Monadelphous were also standouts. Tomorrow brings updates from CBA and Bendigo Bank, plus a busy run of company AGMs ahead of Aussie jobs data on Thursday and key Chinese data on Friday. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Säbel, Florett und Degen - das sind Waffen, die man beim Fechten benutzt. Aber sind die eigentlich spitz und wirklich gefährlich? Und warum tragen Fechter weiße Anzüge und Masken? Die Antworten haben unsere drei Gäste vom Hamburger Fecht-Club bei Mikado - eurem Podcast für Kinder.

The battle of the bank BS is back. BNZ, who announced their profit last week, talked of the strong competition out there. But I note their margin went up, up, 6 points to 2.43%. So if there is so much competition, how come the margin is up? Then came the claim from the Reserve Bank among others that the big banks are being tardy when it comes to passing on the Reserve Bank cuts to us punters. Smaller banks are sharper. SBS claims they have hoovered up almost 6000 new customers as changing banks has become easier. Remember SBS last week put out their 3.99% money, limited to certain people, but a market leader nevertheless. Now tied into all of this is the retail bank's long held argument that the margin is higher because they need the cushion, because the Reserve Bank makes them store away too much money for troubled times. But, those rules are changing and changing in the retail bank's favour. In other words; less money required therefore, in theory, it should mean smaller margins. You can also put in there the simple truth that has always been in play - there is nothing stopping us shopping around. We have a good number of retail banks and they do do deals. I know because I've done deals. Some banks will shave decent margins to get your business. The trouble is a lot of us are too lazy to try and moaning is easier than hustling. So who is right? Are the retail banks tardy? Is it a major issue? Is Nicola Willis right when she says things, and by "things" we mean rules, need to change? I of course have long argued that Willis is too much hype and it's not all that bad. But I'm increasingly moving towards accepting I'm wrong. As the Reserve Bank points out as wholesale rates drop the margins have risen, and on latest numbers, keep rising. Maybe, God forbid, Adrian Orr was right when he used to come on this programme and lambaste the banks for making too many excuses. What I do know is the conditions are increasingly right, either through wholesale rates or the changes to reserve rules, for us to see the margins fall and for the cuts to be passed through in full, and faster. And the longer that takes to happen the more we need to see the big banks as a problem and bad actors in the economy. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The ASX200 slid 0.9% (81 points) to a five‑week low after the RBA left rates at 3.6%. Hotter‑than‑forecast inflation curbed cut hopes. All sectors except healthcare fell, with Westpac the sole bank up 1.5%. City Chic rose 7.5% after a solid ANZ update, while CSL remains down 40% YTD. Focus now shifts to inflation data on 26 Nov and upcoming employment and earnings releases. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

What does it mean to 'feel safe' at work? I interviewed 6 different women to find out! In today's episode I am exploring the complexities around feeling safe at work. I have spoken to six different women in their 30s and 40s, from a range of different industries, to understand better how they define the concept of 'safety'. Feeling safe and feeling free go hand in hand.  Because if we're not safe to speak, lead, challenge, or just exist — then we're not free to succeed.To deliver at your best, both for you and your organisation, it's essential that you also feel secure: that people have your back, that you're supported no matter what, and that the office is genuinely a place to learn and grow. And critically that you can come to work feeling physically and emotionally safe to express yourself without judgment, penalty or harassment.Here are the 6 themes that emerged from my conversations, 'safety' is:Feeling free to be myself and to be authentic at workBeing able to assert myself without negative judgment and for my performance to be judged on meritGiven the space to speak, without being interruptedTo come to work without being harassedSharing vulnerabilities, or asking questions, without that being used against you laterBeing able to challenge or disagree without being labelled 'difficult'Rebecca on being labelled 'difficult' when asserting yourself:"A lot of women have this experience: it's a double edged sword: do I assert myself or do I tone it down for fear of coming across as 'overly emotional' or 'aggressive'? It would be rare for men to be judged and labelled in the same way women are." (Rebecca Allen, host - Her Ambitious Career Podcast)Rebecca on feeling unsafe:"Feeling unsafe can compromise your values like authenticity, respect, being valued and integrity. And if you don't feel safe, you might then procrastinate about how to manage the situation or how you could have responded more effectively. Clearly, feeling unsafe at work affects productivity and the bottom line too. "Links:Listen to a related ep: 3 Reasons You Need a Career Coach Like Me (9 min)And Ep 192 – Know What Constitutes ‘Sexual Harassment' at Work & The Action Victims Can Take, with guest Sarah Cappello  (18 mins)Download Rebecca's free gift: 7 Habits of Female Execs Who Get PromotedRate, Review, & Follow our Show on Apple Podcasts:Also, if you haven't done so already, follow the podcast. We air every week and I don't want you to miss out on a single broadcast. Follow now!About Rebecca:Rebecca Allen is a Career & Leadership Coach for corporate women, aspiring to senior levels of leadership. Over the last decade, Rebecca has helped women realise their potential at companies including Woolworths, ANZ, J.P. Morgan, PwC, Coca-Cola Amatil, Ministry of Defence, Frontier Sensing and AbbVie Medical Research through her Roadmap to Senior Leadership coaching programs. Connect with Rebecca

#320: Et voilà!

Today's headlines include: King Charles III has officially stripped Prince Andrew of his royal titles and asked him to leave his royal residence. Convicted sex offender and former NSW MP Gareth Ward has been sentenced to five years and nine months in prison. ANZ has flagged its profit for the last financial year will be $1.1 billion lower than expected due to restructuring costs and penalties. And today’s good news: A newly discovered Dr Seuss manuscript will be published in next year. Hosts: Sam Koslowski and Lucy TassellProducer: Emma Gillespie Want to support The Daily Aus? That's so kind! The best way to do that is to click ‘follow’ on Spotify or Apple and to leave us a five-star review. We would be so grateful. The Daily Aus is a media company focused on delivering accessible and digestible news to young people. We are completely independent. Want more from TDA?Subscribe to The Daily Aus newsletterSubscribe to The Daily Aus’ YouTube Channel Have feedback for us?We’re always looking for new ways to improve what we do. If you’ve got feedback, we’re all ears. Tell us here.See omnystudio.com/listener for privacy information.

Christopher & Jobst im Gespräch mit WestBam. Wir sprechen über den Traum Mittelstürmer zu sein, sein 19-jähriges Ich an die Wand spielen, mit Traditionen brechen, leichter gewordenes DJing, täglich durch den Tiergarten gehen, hin- und hergerissen zu Johnny Rotten sein, ein Lied mit Iggy Pop machen ist wie das 7 zu 1 gegen Brasilien, als junger New Waver ins legendäre Metropol, eine laufende Soundwelle, die Geheimkunst des Mixens, seit Anfang der 90er gen DJ tanzen, auf einer Seite mit Genesis P. Orridge, das Manifest "Was ist Record Art?", musikalischer Spätzünder sein, drei Jahre lang "Oh Mandy" hören, ein späterer Mr. Universum, andere Hardrocker unterhielten sich über Punk-Gesang, ein gutes Hardrock-Album mit komischen Vocals drüber, Gewürze in Hengelo kaufen, Spiky Hair statt lange Haare, Sicherheitsnadel durchs Ohr stechen, Hassliebe auf die Engländer, musikalische Erziehung durch BFBS & John Peel, das Album "Ein Produkt der Deutsch-Amerikanischen Freundschaft", frühe Fad Gadget, "Holidays in Cambodia", in den frühern Achtzigern hatten Bands den technischen Fortschritt mit drin, sich gegen die antiautoritären Eltern widersetzen, Krautrock roch nach Moschus, ein Harlem Globetrotters-Flipper im Odeon, das Hundehalsband von Sally, alles Scheiße in der Provinz, selbstgemacht Batik-Shirts mit Kaninchenfellmänteln und Gummistiefeln, Feuerlegen und Isetta-Fahren, "Wir gegen die Spießer", Kinder sind konservativer als Eltern, ab 11 Kampfsport machen, eisenharte Disziplin, abgefahrene Bilder vom Acid-Freak-Erzieher Peter, rauchend ohne Sicherheitsgurt im Auto, der frühe Tod des Vaters, Kunststudent mit Uniformjacke, Annabelle von Bow Wow Wow lieben, bei Annette Benjamin pennen, Crazy Colors & Bondage-Hosen, der Stern der DJ-Ära, nie im Sounds gewesen sein, "Wir Kinder vom Bahnhof Zoo", Döner in Shibuya, die beiden großen Berlin Smells Döner & U-Bahn, in die Music Hall am Walther-Schreiber-Platz pilgern, "Der Mussolini" & "Papa´s got a brand new pigback", David Bowier: Der schönste Mann im Westen, auf Punk-Urlaub von den Eltern weg, die Groschen sind alle, im Zeichen der Fische geboren, die D-Punks, die Chaos-Tage in Hannover, verfolgt von englischen Soldaten, schnorren für n Kebab, Norbert von VD, Highlander der Jugendkultur sein, für das Recht auf Ungemütlichkeit kämpfen, schon immer erwachsen sein wollen, vom Bassisten vom Stranglers mit ins Konzert genommen, Salomé & Die geilen Tiere, nichts üben aber gleich alles können, die Disco Riot-Reihe auf Low Spirit, Punk war der letzte Versuch von Rock´n´Roll sich gesund zu schrumpfen, Ende der 80er-Jahre im Tempo über DJing schreiben, der Beginn einer neuen Ära, als junger Punk in West-Berlin verliebt sein, das Buch "Schulhorror", der Ober-Punk von Berlin DJ Fetish, Bestellungen fürs World´s End aufgeben, "Temptation" von Heaven 17, Killing Joke im Odeon, zum Dom-Radio aus Münster nicht Nein sagen, religiöse Tiefen im Punk nicht so ausleben können, die Hiltrup-Punks wollten einen knattern, immer alles ausprobieren wollen, William und die Anzüge aus dem Korrekt, mit der Legende DJ Chris überworfen haben, bester Berliner DJ im Tip, von 1 bis 9 Uhr auflegen, 130 BpM High Energy, das Label Trax Records, eine Sehnsucht nach Werken haben, NDW ist nicht an Fräulein Menke gestorben, der sogenannten Ausverkauf, das erste Rave-Erlebnis mit Wick Vaporup & Ectasy, die Macht der Nacht, mit den Stereo MCs in der Werner-Seelenbiner-Halle, nur weil es klein ist ist es auch nicht immer ein gutes Publikum, viele Leute haben ein Dünkel, WestBams eigene Kultur-Theorie, Björk ist Geschmacks-Mittelschicht, der Gönner aller Schnorrer sein, gern mal für 700 Euro essen gehen, westfälisch klug wirtschaften, TikTok-DJs mit 180BpM, süchtig nach YouTube Shorts, der Untergang der Welt, uvm.Zwei Songs für die Playlist1) Ein Lieblings-Punk-Song von Westbam: WIRE - 12XU2) Ein Lied, das den Spirit des frühen Techno am besten vermittelt: DEAD OR ALIVE - You Spin Me Round

Chasing a C-level role? Today we explore what sorts of skills and broad experiences to gain in your career if you want to land a seat in the C-suite.My guest today is Tanya Graham, CIO icare.   In this episode, Tanya:Talks about her career journey from operations and manufacturing, through to consulting, tech and digital, healthcare, and strategic transformation How moving from UK to Australia provided fresh, varied experience and broadened her networking and industry opportunityHow transformation has underpinned every role Tanya has taken on throughout her career and drawn her to certain organisationsHow Tanya weighs up whether a new opportunity is aligned for herThe critical skills modern Exec Leaders need in their toolbeltGetting intentional about your careerTanya, on making good decisions for your career:"I have done a few decision making analyses when weighing up different career opportunities! There might be some non-negotiables for you such as learning opportunities; what the leadership team's like; where the organisation is heading; and what the mentorship's like [to help you make an aligned decision]." Tanya, on having broad experiences:"Executive leaders are leading the business, not just their function. You need to have a breadth of experience to work through the most challenging situations. This will also help you anticipate trends and avoid tunnel vision and also makes you more comfortable with ambiguity and change."  Links:Connect with Tanya Graham on LinkedinConnect with Rebecca Allen on LinkedinVisit the Illuminate website to learn more about standout Career & Leadership coaching for womenRate, Review, & Follow our Show on Apple Podcasts:Also, if you haven't done so already, follow the podcast. We air every week and I don't want you to miss out on a single broadcast. Follow now!About Tanya:Tanya Graham is the Group Executive Digital & Transformation at icare NSW where she leads the Strategy, Transformation and Technology teams, delivering the icare strategy through a focus on performance and care, uplifting and digitising experience, introducing new ways of working to increase responsiveness and speed to value, and driving the use of data, automation and AI to ensure better outcomes for the people of NSW. Having been in senior & executive roles for over twenty years, she has experience working with Board Directors, Executive teams and regulators, to drive transformational change across industries including Pharmaceutical & Healthcare, Utilities, Financial Services, Technology, Retail and Property, and Government. Tanya is a graduate of the Company Directors course, Australian Institute of Company Directors (GAICD), has an MBA from Macquarie Graduate School of Management (MGSM), and is a member of the Institute of Engineering & Technology (IET). About Rebecca:Rebecca Allen is a Career & Leadership Coach for corporate women, aspiring to senior levels of leadership. Over the last decade, Rebecca has helped women realise their potential at companies including Woolworths, ANZ, J.P. Morgan, PwC, Coca-Cola Amatil, Ministry of Defence, Frontier Sensing and AbbVie Medical Research through her Roadmap to Senior Leadership coaching programs. Connect with Rebecca

Moving On Up: Non-compete and no-poach restrictions in employment contracts in the government's sights, and Special Counsels Amelia McKellar and Kaushalya Mataraaratchi explain how long-standing exceptions to the competition law could be put on gardening leave. Plus subscription traps and Amazon's Iliad flow, Taylor Swift and Ticketmaster, Treasury on AI and the ACL, ASIC and ANZ, and a new Commissioner at the ACCC … All this and M People with co-hosts Moya Dodd and Matt Rubinstein. Breaking News: ACCC announces decisions on two of the eight remaining old school mergers on its register, waving through Cuscal's acquisition of payment facilitation supplier Indue Limited but opposing MicroStar Logistics' acquisition of the assets of keg pooling service provider Konvoy Holdings. Links: M People with "Moving On Up" and Loleatta Holloway with "Love Sensation" and "Ride on Time" The Final Countdown on the ACCC's public informal merger clearance register MN-01019: Ampol's proposed acquisition of retail sites from EG Australia FTC and Amazon settle for $US2.5bn over Prime subscriptions FTC takes Ticketmaster to court over resales and price and ticket limits ASIC press release and press conference on ANZ agreed penalties Treasury's Final Report in its review of AI and the ACL G+T on Treasury's consultation on non-competes ABC on the rebel R360 league and eligibility for internationals Treasury and ACCC announce the new ACCC Commissioner Meet the Gilbert + Tobin Competition, Consumer + Market Regulation team Email us at edge@gtlaw.com.au  Support the show: https://www.gtlaw.com.au/See omnystudio.com/listener for privacy information.

Women everywhere are exhausted. High-achievers tend to push themselves harder and harder, shaming themselves as they do it. But what if you could be successful whilst also giving yourself grace? How much more enjoyable would celebrating those successes be?In today's episode, I am sharing 3 simple, 5-minute exercises with you to help you be more self-compassionate.And if you love these 3 exercises, you can continue your self-kindness journey by signing up for our 2-week email coaching program, 14-Days of Self-Kindness & Resilience. Read more here >>Something Rebecca said today:" You can be extremely successful whilst also being gentle with yourself. And you'll enjoy your achievements so much more if you haven't shamed yourself on the way to get there." (Rebecca Allen, host - Her Ambitious Career Podcast)Links:Read more about 14-Days of Self-Kindness & Resilience - our 2-week guided email coaching programRate, Review, & Follow our Show on Apple Podcasts:Also, if you haven't done so already, follow the podcast. We air every week and I don't want you to miss out on a single broadcast. Follow now!About Rebecca:Rebecca Allen is a Career & Leadership Coach for corporate women, aspiring to senior levels of leadership. Over the last decade, Rebecca has helped women realise their potential at companies including Woolworths, ANZ, J.P. Morgan, PwC, Coca-Cola Amatil, Ministry of Defence, Frontier Sensing and AbbVie Medical Research through her Roadmap to Senior Leadership coaching programs. Connect with Rebecca

近日，澳大利亚四大银行之一的澳新银行（ANZ）因多项不当举措被监管机构处以2.4亿澳元的“天价”罚款，引发广泛关注。罚金有用吗？银行的系统性问题到底如何“修复”？消费者该如何保护自己？点击 ▶ 收听完整采访。

Frustration leads to inertia and anger and can derail your career.  As a Career & Leadership Coach, clients share their frustrations with me daily and I'm here today to let you know you aren't alone in feeling frustrated... and that there is plenty you can do to regain control.In today's episode, I am exploring 7 of the most common FRUSTRATIONS clients come to me with surrounding their careers.We are talking about:Not getting ahead, despite achieving great results (and working so hard)Not making the impact you want to (either down to a lack of support or resource; or lacking purpose etc)A Values Mismatch between you and other people, or you and your organisationConstantly changing goal posts and KPIsMiscommunication (or just poor communication)Lacking visibility and a platformNot backing yourself, doubt, and frustration at your own lack of perceived progressSomething Rebecca said today:" Frustration really comes from a feeling of helplessness: feeling as if making things happen, or creating change, are just beyond your control. In this place, you're imagining a positive outcome that just isn't forthcoming - certainly not fast enough to meet your expectations. And that frustration intensifies the longer you remain stuck right? Regaining control and getting unstuck needs to be your first priority but how do you do that?“ (Rebecca Allen, host - Her Ambitious Career Podcast)Links:Listen to Rebecca's interview with Catherine Kennedy, MD of people2people recruitment: The Cost of Career Procrastination And this related episode: Ep 183 – STOP Playing in the Weeds & START Being Strategic About Your CareerGet Rebecca's free download: The 7 Habits of Female Execs Who Get PromotedBook a free 15-minute Career Strategy Call with Rebecca and build your credibility and visibility as a leaderRate, Review, & Follow our Show on Apple Podcasts:Also, if you haven't done so already, follow the podcast. We air every week and I don't want you to miss out on a single broadcast. Follow now!About Rebecca:Rebecca Allen is a Career & Leadership Coach for corporate women, aspiring to senior levels of leadership. Over the last decade, Rebecca has helped women realise their potential at companies including Woolworths, ANZ, J.P. Morgan, PwC, Coca-Cola Amatil, Ministry of Defence, Frontier Sensing and AbbVie Medical Research through her Roadmap to Senior Leadership coaching programs. Connect with Rebecca