Podcasts about ASB

HEALTH NEWS   Ginger Supplementation Reduces Muscle Soreness, Review Finds Artificially sweetened and sugar-sweetened beverage intake and risk of liver cancer Plant-based quinoa burgers reduce post-meal blood sugar spikes Sleep and exercise may curb heart risk from mutant white blood cells Pregnant women may reduce key health risk through less sitting, more light exercise     Ginger Supplementation Reduces Muscle Soreness, Review Finds Old Dominion University, June 4 2026 (Natural News)     A review published in Nutrition Reviews found that consuming 2 grams of ginger daily for 11 consecutive days before exercise reduced delayed-onset muscle soreness (DOMS) by 23% to 25%.   The review examined multiple placebo-controlled studies and found that single doses taken just before exercise did not produce significant pain reduction, but consistent daily intake over the 11-day period yielded measurable results.   DOMS typically occurs 24 to 72 hours after exercise and is a common reason individuals skip subsequent workouts. In two placebo-controlled studies reviewed, participants consumed 2 grams of either raw or heat-treated ginger daily for 11 days before performing eccentric exercise, which lengthens muscles under tension. The effective dose identified in the review was 2 grams per day, roughly equivalent to one teaspoon of fresh grated ginger.   Artificially sweetened and sugar-sweetened beverage intake and risk of liver cancer Yale University, National Cancer Institute, Boston University, June 10 2026 (Eurekalert) Are artificially sweetened beverage (ASB) and sugar-sweetened beverage (SSB) intakes associated with risk of liver cancer overall and by subtype (hepatocellular carcinoma [HCC] and intrahepatic cholangiocarcinoma [ICC])? In this pooled analysis of 11 prospective cohort studies comprising 1,518,411 adults, SSB intake per 1-beverage/day increment was associated with increased risk of HCC and ICC, whereas ASB intake was not associated with liver cancer overall or by subtype. There was no evidence of effect modification by diabetes status.     Plant-based quinoa burgers reduce post-meal blood sugar spikes Federal University of Golas (Brazil), June 10 2026 (News-Medical) A study published in ACS Nutrition Science suggests that a plant-based burger made from baru pulp and red quinoa could reduce post-meal blood glucose responses in healthy adults. Red quinoa (Chenopodium quinoa Willd.) is a pseudocereal that is rich in protein, fiber, and micronutrients. It provide spolyphenols that have been shown to slow gastric emptying and overall digestion, and may reduce enzymatic degradation of carbohydrates in the gut. This would influence the rate at which glucose is absorbed into the bloodstream after a meal, altering the GI. The authors of this pilot study examined GI in a small sample of eight volunteers after consuming two plant-based burgers: one made with baru pulp and red quinoa, and the other with red quinoa alone.  All three foods produced their highest blood glucose levels 30 minutes after consumption. The glucose reference food generated the largest peak at 174 mg/dL, while the baru pulp–red quinoa and red quinoa burgers reached substantially lower peaks of 118 mg/dL and 120 mg/dL, respectively. By 120 minutes, blood glucose levels had declined in all groups. Compared with the glucose reference, both plant-based burgers caused only modest increases in blood glucose relative to fasting levels: 15.5% for the red quinoa burger and 18% for the baru pulp–red quinoa burger.   Sleep and exercise may curb heart risk from mutant white blood cells Mount Sinai Hospital, June 10. 2026 (Medical Xpress) Healthy sleep and regular exercise can work to counteract genetic mutations in white blood cells that are associated with cardiovascular disease and are most common among older people, Mount Sinai researchers have found. In a study published in Nature, the team reported for the first time that sufficient sleep and exercise can help reduce the cancer-like cell expansion and atherosclerotic risk linked to mutations that spontaneously occur in white blood cells. These mutations accumulate over our lifetimes and occur most often in hematopoietic stem cells, which are the cells in bone marrow that make blood cells, including macrophages and monocytes, immune cells that help defend the body. When these cells develop mutations, they start to proliferate, multiplying faster than they should, and become more inflammatory, irritating or damaging tissues in the body. This condition, known as clonal hematopoiesis (CH), is detectable in a quarter of people over age 70 and half of people over 80, though it is infrequent in young, healthy people. Healthy sleep and exercise was found to selectively influence immune cells with clonal hematopoiesis mutations, repressing their proliferative programming and expansion, as well as their ability to promote the formation of harmful plaque in the arteries of the heart. The findings reveal that CH mutant cells are malleable and selectively responsive to lifestyle behavior in a way that can mitigate atherosclerotic risk. Mount Sinai researchers discovered that moderate-to-vigorous physical activity was associated with a reduced incidence of gene-specific CH and fewer mutant cells in the blood. Sufficient sleep and exercise "turned off" the detrimental effects of rogue Jak2 and Tet2 mutant CH hematopoietic stem cells in the bone marrow, decreasing their ability to proliferate and grow, a precancerous process known as "clonal expansion.   Pregnant women may reduce key health risk through less sitting, more light exercise University of Iowa, June 10 2026 (Eurekalert)   Women who engage in light physical activity and lessen their sedentary time may significantly reduce the risk of key health problems during pregnancy, according to a new University of Iowa-led study. Researchers examined the daily behaviors of 470 pregnant women across all stages of pregnancy. Each participant wore a monitor that measured physical activity in 24-hour cycles and another monitor that recorded the time they spent asleep. Based on observational data collected from the study's participants, the researchers propose a “Goldilocks Day”-like guide for pregnant women that could reduce by nearly 30% the risk of developing hypertensive disorders of pregnancy (HDP), commonly occurring complications of pregnancy that include chronic hypertension, gestational hypertension, and preeclampsia. Those recommendations are: • Reduce sedentary time to fewer than eight hours each day. • Engage in light physical activity for at least seven hours each day. • Engage in approximately 22 minutes of moderate to vigorous physical activity, such as a brisk walk, each day. • Get nearly nine hours of sleep each night.

The High Court has ordered ASB Bank to pay $6.731 million for breaching anti-money laundering laws. The penalty is the largest ever imposed by a New Zealand court under the Anti-Money Laundering and Countering Financing of Terrorism (AML/CFT) Act 2009. NZ Herald Wellington business editor Jenee Tibshraeny explained the case further - and whether it sets a precedent. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The High Court has ordered ASB Bank to pay $6.731 million for breaching anti-money laundering laws. The penalty is the largest ever imposed by a New Zealand court under the Anti-Money Laundering and Countering Financing of Terrorism (AML/CFT) Act 2009. NZ Herald Wellington business editor Jenee Tibshraeny explained the case further - and whether it sets a precedent. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Sirenen heulen, das Handy warnt, der Strom fällt aus - und was passiert dann? Durch den Krieg in Europa, Cyberangriffe und Extremwetter hat sich die Sicherheitslage in Deutschland deutlich verschärft. Deshalb soll das Land jetzt krisenfester werden. Mit einem neuen Pakt für den Bevölkerungsschutz will die Bundesregierung zehn Milliarden Euro in Zivilschutz und Vorsorge investieren. Doch viele Experten und Hilfsorganisationen bezweifeln, dass die Pläne ausreichen. Wie gut sind wir auf Blackouts, Katastrophen und Co vorbereitet? Was macht Staat und Gesellschaft krisenfest, genügen die Vorschläge der Regierung und wo sollten wir selbst aktiv werden? Darüber spricht Moderatorin Jessy Trommer mit der Sicherheitsexpertin Helena Quis, Michael Schnatz vom ASB, Lars Gerhold, Psychologieprofessor an der TU Braunschweig und Peter Aurnhammer, Gründer und Geschäftsführer des Deutschen Schutzraum-Zentrums. Podcast-Tipp: Die Großen Fragen in 10 Minuten Wer überlebt die Apokalypse? Die Prepper-Szene bereitet sich konzentriert auf den Tag X vor - den Tag, an dem ein Dritter Weltkrieg oder eine andere Apokalypse den Planeten unbewohnbar machen könnte. Aber kann man sich auf so etwas überhaupt vorbereiten? Kann man das überleben? Das Leben hat bisher jede vergangene Apokalypse, jedes Massensterben überstanden. Irgendeine Spezies hat es immer geschafft. Doch was ist das Geheimrezept, um Katastrophen zu überstehen? Welche erfolgreichen Strategien hält das Leben bereit? Diese Episode widmet sich den Grundprinzipien von Leben und Überleben, der Frage, wie flexibel Leben eigentlich ist, und was das Wort "lebensfeindlich" überhaupt bedeutet. https://www.ardsounds.de/episode/urn:ard:episode:a4cbcaaaab41cfae/

As B.C. Premier David Eby contends with a potential Alberta pipeline, he's also facing questions about Indigenous land rights, and other policies he's had to roll back. On top of this, the B.C. Conservatives are picking up steam as they get set to elect a new leader this weekend. Katie DeRosa, CBC's provincial affairs reporter in B.C., and Rob Shaw, political correspondent for CHEK News in Victoria, take a close look at the complex political picture in the province.

ASB chief economist Nick Tuffley says the window for low mortgage rates has closed, with multiple Official Cash Rate hikes expected later this year following the Reserve Bank's decision to hold the rate at 2.25% yesterday. The RBNZ's Monetary Policy Statement said Official Cash Rate (OCR) increases would likely be required this year, predicting inflation would peak at 4.3% in the September quarter before returning to 2% mid-2027. Tuffley told Ryan Bridge people had been fixing their mortgages at higher interest rates since it became clear that there would be no further cuts to the OCR and it would soon start increasing. The Monetary Policy Committee was predicting the average interest rate on outstanding mortgages would climb to 5.3% over the next year, up from 4.9% in March. Tuffley said that increase was “not too dramatic” although the impacts would show up slowly. “Your window for a low mortgage ... really did slam shut late last year, and unfortunately we've already seen rates that have climbed to some degree and that will continue.” LISTEN ABOVE See omnystudio.com/listener for privacy information.

On today's REX Daily Podcast, Dom talks with Greg Mirams, founder and Managing Director of Techion Group, about the latest iteration of the FECPAK animal diagnostics digital microscope and AI reading tool, being named a finalist in the upcoming Fieldays Innovation Awards and its new partnership with Farmlands... He talks with AgriZeroNZ CEO Wayne McNee about being part of a joint investment aiming to boost farmer uptake of low-methane sheep genetics, why the Cool Sheep® Programme is one of the few emissions reduction tools currently available for New Zealand farmers and the two Australian companies it's recently invested in... And he talks with Andy Caughey, Wool Impact CEO, about its new partnership with ASB, his recent trip to India as part of the NZ delegation to sign the Free Trade Agreement with India and what benefits it could deliver for the NZ strong wool sector. Tune in daily for the latest and greatest REX rural content on your favourite streaming platform, visit rexonline.co.nz and follow us on Instagram, Facebook and LinkedIn for more.

Dom talks with Andy Caughey, Wool Impact CEO, about its new partnership with ASB, his recent trip to India as part of the NZ delegation to sign the Free Trade Agreement with India and what benefits it could deliver for the NZ strong wool sector. Tune in daily for the latest and greatest REX rural content on your favourite streaming platform, visit rexonline.co.nz and follow us on Instagram, Facebook and LinkedIn for more.

Halie Creps, CPA, chair of the AICPA Auditing Standards Board, joined the JofA podcast to  discuss the ASB's refreshed 2026–2030 strategic plan and its focus on responsiveness, collaboration, and technology. She also explained why taking part in AICPA committees and boards is important to her and mentioned the link that members can visit to explore volunteer opportunities.  Creps highlighted current projects, including proposed updates to attestation standards, sustainability assurance, confirmations, and fraud. She also explained how practitioner feedback and international standard‑setting influence the board's work. What you'll learn from this episode: Why Creps said that serving on the Auditing Standards Board helps make her a better auditor. A mention of the numerous types of volunteer opportunities for members. How the ASB's 2026–2030 strategic plan reflects stakeholder feedback. What proposed changes to attestation standards could mean for practitioners. How sustainability assurance fits into the ASB's broader standards framework. The status of and comment deadlines for exposure drafts on confirmations and fraud. How technology and global collaboration are shaping future audit standards.

ASB is set to launch their own answer to Sharesies with their new app. ASB Share Central will include a mobile app and desktop platform, and it will allow Kiwis to make their own investments into shares. CMC Markets managing director Chris Smith says it's 'exciting' ASB wants to take this step, and they're looking forward to working with the bank on this project. LISTEN ABOVESee omnystudio.com/listener for privacy information.

A major bank believes unemployment will remain fairly flat this year, rather than anything catastrophic. The national rate dipped slightly to 5.3% in the first three months of this year. ASB chief economist Nick Tuffley told Ryan Bridge says he's not overly pessimistic about the next couple of quarters. But he cautions the next few months are really the danger zone as businesses hunker down and defer some decisions. Youth unemployment is up from 13.3% to 14.4%. LISTEN ABOVESee omnystudio.com/listener for privacy information.

A major bank believes unemployment will remain fairly flat this year, rather than anything catastrophic. The national rate dipped slightly to 5.3 percent in the first three months of this year. ASB chief economist Nick Tuffley told Ryan Bridge says he's not overly pessimistic about the next couple of quarters. But he cautions the next few months are really the danger zone as businesses hunker down and defer some decisions. Youth unemployment is up from 13.3 to 14.4 percent.See omnystudio.com/listener for privacy information.

ASB is set to launch their own answer to Sharesies with their new app. ASB Share Central will include a mobile app and desktop platform, and it will allow Kiwis to make their own investments into shares. CMC Markets managing director Chris Smith says it's 'exciting' ASB wants to take this step, and they're looking forward to working with the bank on this project. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Kiwis struggling to find work aren't alone in it. Stats NZ data due out this morning is expected to show unemployment's remained steady or risen slightly in the first three months of this year. It was already at a near-decade high in the previous quarter. ASB Chief Economist Nick Tuffley told Mike Hosking the jobs being created don't seem to be keeping pace with the number of people moving to New Zealand. He says they're expecting a marginal lift in jobs, but migration's also picking up. LISTEN ABOVE See omnystudio.com/listener for privacy information.

A majority of British Columbians now say reconciliation has gone “too far.” Is reconciliation the problem or how it's being talked about? This is VANCOLOUR host Mo Amir speaks with BC Assembly of First Nations Regional Chief Terry Teegee about the growing backlash to DRIPA, the Cowichan land controversy, and separating political spin from legal realities. As B.C. Premier David Eby faces criticism from all sides, are misunderstandings about Aboriginal rights fuelling the backlash? Is there ever an end point to reconciliation?Recorded: April 27, 2026  

The Finance Minister is concerned about an expected spike in inflation. The inflation rate has remained unchanged at 3.1% in the March quarter, despite forecasts of a drop. ASB economists now expect it to approach 4.5% this quarter, remain above 4% until the end of the year, and remain above 3% until at least the middle of next year. Nicola Willis told Mike Hosking there's no doubt inflation will rise this quarter. She's also refusing to name the five disgruntled National MPs that Christopher Luxon says are behind party leaks to the media. Luxon's passed a vote of confidence at yesterday's lengthy caucus meeting, but MPs aren't revealing details of the vote, including how many of them supported Luxon. Newstalk ZB understands the disgruntled MPs are Joseph Mooney, Andrew Bayley, Sam Uffindell, Barbara Kuriger, and Tim van de Molen. Willis told Hosking she won't throw colleagues under the bus without evidence. She says each of the five have said they haven't leaked to the media and support a unified caucus. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Things are getting tougher for Kiwis. According to ASB's estimates, households will see an average of $55 a week added to their living costs this year, thanks to global effects of the conflict in the Middle East. This compounds the struggle for many, with Stats NZ reporting in 2025 that just over half of renters and nearly 40% of mortgage holders didn't think their income matched their everyday needs. ASB's Chief Economist Nick Tuffley told Kerre Woodham the increase isn't that much different than previous years, it's just concentrated in one specific area this year – fuel. He says that means some people will be able to dodge some of the extra spending by changing their behaviour, whereas in the past it was spread out across multiple areas and much more unavoidable. LISTEN ABOVE See omnystudio.com/listener for privacy information.

The Reserve Bank may have to hike the OCR sooner than expected, with inflation tracking higher than forecast. Inflation remains at 3.1% – unchanged on three months ago. ASB economists say the central bank could be facing a "nightmare scenario" of soaring inflation, against the backdrop of a fragile economy. Chief Economist Nick Tuffley told Ryan Bridge it's increasingly likely the Reserve Bank will start lifting the OCR around July. He says they believe it will wind up around 3.25% – a more neutral level for the rate. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Today's inflation numbers could represent calm before the storm. Annual inflation's likely to have fallen in the first quarter of this year after ending last year at 3.1%. BNZ is picking 3.1%, KiwiBank's is picking 3%, ASB and ANZ are picking 2.9%, and Westpac is picking 2.8%. ASB Senior Economist Mark Smith told Ryan Bridge that the future trajectory is more important. He says the oil price outlook is highly uncertain, and how long energy prices hold up will really determine how long that inflation rate holds up as well. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Praha otevírá další most přes Vltavu. Stavba trvala tři a půl roku a spojuje Smíchov s Podolím. Na jeho podobě a úpravě okolí se vedle architektonického studia Atelier 6 podílel i tým výtvarníka Krištofa Kintery. Právě množstvím uměleckých děl a přemýšlením o prostoru kolem se projekt vymyká běžným dopravním stavbám nejen v Praze, ale v celé republice. Přes most vedou tramvajové a autobusové linky veřejné dopravy a využívat ho mohou i chodci a cyklisté. S automobily se naopak nepočítá. Čím dalším tato dvoumiliardová stavba upoutává pozornost?  Host: Matěj Beránek - novinář, šéfredaktor časopisu ASB o architektuře a stavebnictvíČlánek a další informace najdete na webu Seznam ZprávySledujte nás na sociálních sítích X, Instagram, Threads nebo Bluesky. Náměty a připomínky nám můžete psát na e-mail zaminutusest@sz.cz

Send Us A Message! Let us know what you think.Are the surging building consent numbers hiding a deeper economic reality?  In Episode 9 of New Zealand Property Insights, Paul and Debbie Roberts unpack three major shifts in the New Zealand financial landscape.In this episode, Paul and Debbie cover:Surging Consents vs. Economic Reality: Stats NZ data reveals 37,534 new homes were consented in the year to February, representing a 12% year-on-year increase. Auckland remains the growth engine, with multi-unit dwellings like townhouses making up over half of all new homes consented. However, Paul and Debbie explain why rising construction and excavation costs are making project feasibilities highly sensitive, and why buyers must use sunset clauses and fixed pricing.The KiwiSaver Shift: On April 1st, the default KiwiSaver contribution rate increased from 3% to 3.5%. An ASB survey found that 51% of people planned to increase their contributions to match this new rate. While this is a minor weekly adjustment—around $7 extra for someone earning $70,000—it has a massive compounding effect over time. We discuss why younger investors stand to benefit the most, despite having the lowest awareness of the changes.The Balanced Property Market: A new CBRE valuers report shows the housing market is currently stable and balanced. First-home buyers are the most active demographic, but they are heavily favoring move-in ready homes. This creates a massive opportunity for savvy investors to purchase unrenovated "do-ups" with less competition and manufacture their own equity in a flat market.Whether you are looking to build a new townhouse, check your KiwiSaver settings, or find hidden property deals, this episode provides the factual insights you need.Resource Links:

ASB is facing a fine of around $6 million for breaching anti-money laundering rules. Banks are required to do their due diligence with their money, in order to comply with existing legislation - but ASB hasn't followed the right systems. NZ Herald Wellington business editor Jenee Tibshraeny explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

ASB is facing a fine of around $6 million for breaching anti-money laundering rules. Banks are required to do their due diligence with their money, in order to comply with existing legislation - but ASB hasn't followed the right systems. NZ Herald Wellington business editor Jenee Tibshraeny explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

With so much uncertainty in the Middle East, people should focus on preparing for different scenarios that could affect their businesses, ASB chief economist Nick Tuffley says. ASB's revised outlook forecasts inflation to climb further this year and GDP growth contracting for the second quarter thanks to higher fuel prices hitting consumers. Tuffley told Mike Hosking that Q2 was when the peak impacts of the oil shock would ripple through and affect people's spending power. The ASB forecast —of GDP growth at 1.3% and inflation at 4%— was “not the end of the world” but would delay New Zealand's economic recovery, he said. Inflation had hit 5% before, when oil prices were high before the financial crisis. That level of inflation was still possible this year, but the Reserve Bank had time to wait, given New Zealand's economy wasn't overheating. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Christchurch locals say the city is prospering and heading in the right direction, on the back of an ASB report finding Canterbury is the best place to be in the country economically. But there's concern the good times won't last, with rising fuel prices and they worry about how the economy will be affected by the war in the Middle East. Anna Sargent reports.

It's a tale of two cities, with Canterbury crowned the top regional economy and Wellington finishing last. ASB's latest Regional Economic Scoreboard shows Canterbury outperformed in nearly every key measure, including employment, retail spending, housing activity, and population growth. Otago and Waikato tied for second and Auckland climbed to fourth. ASB Chief Economist Nick Tuffley told Mike Hosking it follows the theme they've seen over the past few years of export-focused regions being more resilient. LISTEN ABOVE See omnystudio.com/listener for privacy information.

ASB economists Chris Tennent Brown and Kim Mundy join host Nigel Grant to unpack two ASB surveys revealing a shift in how New Zealanders think about housing, KiwiSaver and investing. With confidence slowly rebounding, they explore why investment preferences are changing, what's driving housing sentiment, and the key questions to ask before making your next move.

Economists are predicting promising economic results from the last quarter ahead of the ongoing ripple effects caused by war in the Middle East. GDP data for the December quarter is being released just before 11 this morning. Both Westpac and ASB are anticipating 0.4% quarterly growth. ASB Chief Economist Nick Tuffley told Mike Hosking exports have largely been the driver. But Tuffley says recovery has been uneven, pointing to a weaker construction sector. LISTEN ABOVE See omnystudio.com/listener for privacy information.

0:11 - As B.C. moves to permanent daylight time, what could that look like if Alberta follows suit? 7:30 -  More than half of small businesses say U.S. no longer reliable. 18:08 -Our weekly economic recap with Dr. Eric Kam. 33:07 - We take your calls and texts. 35:48 - How a permanent time change in Alberta could impact our kids. 45:59 - We take your calls and texts on the time change. 54:44 - ‘Downturn diet'? The crunch on fast food chains as consumers seek deals. Learn more about your ad choices. Visit megaphone.fm/adchoices

New Zealanders are rethinking how they invest, according to a new survey from ASB. ASB Senior economist Chris Tennent-Brown spoke to Ingrid Hipkiss.

More New Zealanders are putting their faith back into the housing market. ASB's latest survey shows confidence has lifted sharply this quarter, with respondents who expect house prices to rise over the next year jumping from 17% to 30%. Chief Economist Nick Tuffley says it's a buyer's market and advises caution when it comes to banking on strengthening house prices. But he told Mike Hosking the affordability factor is quite good currently, with plenty of supply, reasonably stable prices, and debt servicing rates from banks remaining very low. LISTEN ABOVE See omnystudio.com/listener for privacy information.

In this “0 and Two-ahhh” episode of The Pacers Post Up, Brad and Ryan break down the very tanky post-ASB back-to-back losses in DC to the Wizards, dropping Indy to the 2nd-worst record league-wide. Tank haters are coming out in full force, but the youth showed flashes: Jarace Walker near triple-double territory, Jay Huff's offensive outburst, Taelon Peter's career high, and Ben Sheppard's sneaky solid contributions. We talk about what can actually be taken away from these 2 games, celebrate the young guys stepping up, note the boosted top-4 pick chances, and react to Adam Silver/Shams signaling offseason anti-tanking tweaks. Apologies for the technical difficulties on this episode, but appreciate Pacers Nation hanging in there with us, as always! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send Us A Message! Let us know what you think.Is the property market officially shifting gears?In this episode of The Week in Review, Debbie Roberts unpacks a massive week of contradictory but exciting real estate news. We dive into a sudden surge in tourism and migration that has the broader economy starting to hum, and discuss why the Reserve Bank holding the OCR steady at 2.25% cements a "higher for longer" interest rate environment.We also cover a massive win for first-home buyers as ASB joins the Kāinga Ora 5% deposit scheme with a unique lending advantage, plus a look at why the government just slashed Auckland's long-term housing targets by 400,000 homes.Key Topics Covered:Migration & Tourism: How the late-2025 rebound is setting the stage for a housing revival.First Home Buyers: Why ASB's entry into the 5% deposit scheme—and their acceptance of two boarders' income—could boost your buying power.Interest Rates: What the OCR pause at 2.25% means for your fixed-rate mortgage strategy.Auckland Zoning: The government's U-turn on Plan Change 120 and what it means for character neighbourhoods.Market Data: Cotality's February update showing flat property values and a welcome drop in rents.

The RBNZ's OCR decision lands Wednesday, 18 February, and it's expected to hold at 2.25%. The deeper truth? Australian banks (ANZ, ASB, BNZ, Westpac) dominate New Zealand's mortgage market, influence media and politics, and shape house prices and the economy at large. With fragile recovery signs amid persistent inflation, will their pursuit of wider margins on “safe” lending tip us toward Japanese-style housing stagnation? Rupert Carlyon of kōura Wealth joins to discuss.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.Affiliate Links!The Bitcoin Adviser: Plan for intergenerational digital wealth.Hatch: For US markets.Revolut: For a new type of banking.Sharesies: For local, and international markets.Loan My Coins: Bitcoin lending product.Exodus: Get rewards on your first $2,500 of swapsOnline courses:Take the free, 5-part online course Crypto 101: Crypto with ConfidenceGet Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.radicalinvestment.co.nz________________________Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

The Finance Minister's rejecting an accusation it's using Covid as an election tactic. Nicola Willis announced an independent review this year of the monetary policy the Reserve Bank delivered during the pandemic. It'll be released just weeks before the election, and Labour's Chris Hipkins claims the Government's aiming to revive pandemic conspiracies. Willis told Mike Hosking she suspects it wouldn't have mattered what the timing is, the reaction would've been the same – their political opponents saying they shouldn't be asking these questions. But she says when the Reserve Bank did its own review, the results showed there hasn't been enough examination into their decisions. The Finance Minister is also insisting she's keeping an eye on the banking space as ASB reports higher margins. The bank saw modest growth in the second half of last year, reporting a net profit of $765 million. Its net interest margins ticked up six basis points to 2.35%. Willis says told Hosking more people are already looking for better banking deals, and she's working to improve competition. She says she's comparing our regime internationally, especially with the banks' Australian counterparts, and looking at whether we're getting our settings right. LISTEN ABOVE See omnystudio.com/listener for privacy information.

On the latest Pickaxe and Roll, Ryan Blackburn discusses the MVP race between Nikola Jokic and Shai-Gilgeous-Alexander that still has life despite Jokic's absence. He breaks down Jokic's chances to catch SGA, what's next for David Adelman and Nuggets post ASB, and previews tonight's matchup vs James Harden and Donovan Mitchell. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Economists are divided on whether unemployment is finally starting to fall. Stats NZ is releasing its latest employment update at 10.45. Economic conditions are improving, but that's also prompting more people to re-join the labour market. Most bank economists expect the unemployment rate to remain unchanged from three months ago at an historically high 5.3%, but ASB economists think it will fall slightly to 5.2% – the first fall in unemployment in four years. Senior Economist Mark Smith told Mike Hosking that hiring is starting to pick up after being on the backburner for so long. He says the economy has some underlying momentum, and after waiting on the sidelines last year, firms are going to convert those intentions into actions. LISTEN ABOVE See omnystudio.com/listener for privacy information.

ASB on the hire of Petzing.

The Reserve Bank isn't expected to change its course, despite inflation remaining higher for longer. Stats NZ is providing its latest CPI update at 10.45am. Economists expect the inflation rate to remain about 3% – the very upper end of the Reserve Bank's target range. That's higher than forecast, reflecting a higher-than-expected rise in travel costs. ASB Senior Economist Mark Smith told Mike Hosking it's a little too soon to be thinking about hikes to the OCR, which is likely to be conditional on inflation. He says the Reserve Bank likely feels that there's still a bit of spare capacity in the economy, and that should be sufficient to push down domestic inflation, which should contribute to overall inflation going closer to 2%. LISTEN ABOVE See omnystudio.com/listener for privacy information.

ASB backlash?

Host Nigel Grant (Head of Wealth Products, ASB) sits down with Chris Tennent‑Brown (Senior Economist, ASB) and David Griffith (Client Chief Investment Officer and Head of Multi Asset Solutions, BlackRock) to unpack the risks and opportunities shaping 2026. They explore the mega forces influencing global and local investment decisions - from AI and climate transition to demographic shifts - and share their top predictions on what investors should be watching in the year ahead. *** This material has been created with the co-operation of BlackRock Investment Management (Australia) Limited (BIMAL) ABN 13 006 165 975, AFSL 230 523 on 13/01/2026. Comments made by BIMAL employees here represent BIMAL's views only. This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdiction.

If you weren't already feeling confident about 2026, I've got two reasons you should. At least two major retail banks see signs of an economic recovery and we have a new Reserve Bank Governor. No pressure on Anna Breman, but she hasn't arrived a day too soon given that the old lot were still managing to stuff things up until literally the last chance they had, with Christian Hawkesby saying the wrong thing and sending wholesale market rates, and therefore fixed term interest rates, up by 30 basis points. To be fair to him, he was only the fill in. And if we're honest with ourselves it's more hope than certainty that the Swedish import will be any better than Hawkesby or Adrian Orr. But then again you could argue it really would be hard to be worse given the last four years. But we're here for the good news. The good news is that Anna Breman arriving as the new broom coincides with ASB, and now Kiwibank, all saying it's on. They're seeing signs of a recovery for 2026. Kiwibank's call arguably matters more than the others because they've been the gloomiest. They were calling for more rate cuts than the Reserve Bank was prepared for. They were warning it was more grim out there than the Wellington bankers realised. They were right. So here's hoping they are right again when they say sales are already up, and when sales go up, everything else follows. House prices are up 2-3% next year. The economy is growing 2.4% and then it's 3% the next year. I don't know about you but that combo - a new person in charge of the central bank and growing consensus that the recovery is now on - is probably the best Christmas present i could wish for. LISTEN ABOVESee omnystudio.com/listener for privacy information.

If you want to understand the future of learning and equip yourself with the best possible tools for operating at the top of your game, I believe becoming polymathic is your best bet. And to succeed in mastering multiple skills and tying together multiple domains of knowledge, it’s helpful to have contemporary examples. Especially from people operating way out on the margins of the possible. That’s why today we’re looking at what happens when a poet decides to stop writing on easily destroyed paper. Ebooks and the computers that store information have a shelf life too. No, we’re talking about what happens when a poet starts “writing” into the potentially infinite cellular matter of a seemingly unkillable bacterium. This is the story of The Xenotext. How it came to be, how it relates to memory and the lessons you can learn from the years Christian Bök spent teaching himself the skills needed to potentially save humanity's most important art from the death of our sun. Poetry. But more importantly, this post is a blueprint for you. The story of The Xenotext is a masterclass in why the era of the specialist is over, and why the future belongs to the polymaths who dare to learn the “impossible” by bringing together multiple fields. What on earth could be impossible, you ask? And what does any of this have to do with memory? Simple: Writing in a way that is highly likely to survive the death of the sun changes the definition of what memory is right now. And it should change what we predict memory will be like in both the near and distant future. https://www.youtube.com/watch?v=HwQiW1XDAvI Encoding Literature Into Life: The Xenotext Christian Bök, often described as a conceptual poet, has run experiments with words for decades. For example, Eunoia is a univocal lipogram. That means, in each chapter, Bök used only words containing one of the vowels. This is a constraint, and it leads to lines like, “Awkward grammar appals a craftsman.” And “Writing is inhibiting.” There are other “programs” or constraints Bök used to construct the poem. As a result, you hear and feel the textures of your own mother tongue in a completely new way as you read the poem. But for The Xenotext project, Bök wondered if it would be possible to discover the rules and constraints that would enable himself, and conceivably other poets and writers, to encode poetry into a living organism. That leads to a fascinating question about memory that many mnemonists have tackled, even if they’re not fully aware of it. Can a poem outlive the civilization that produced it? If so, and humans are no longer around, how would that work? The Science of How Biology Becomes Poetry As far as I can understand, one of the first steps involved imagining the project itself, followed by learning how it could be possible for a poem to live inside of a cell. And which kind of cell would do the job of protecting the poetry? It turns out that there’s an “extremophile” called Deinococcus radiodurans. It was listed in the Guinness Book of World Records as the most radiation resistant bacterium on planet Earth. As a life form, its DNA was sequenced and published in 1999. According to the Wikipedia page on The Xenotext, Bök started conceiving of encoding poetry into DNA and then inserting it into the bacterium circa 2002. But the project is about more than having poetry persist within a cell so it can transmit the work without errors later. It’s a kind of combinatory puzzle in which the bacterium acts as a kind of co-author. In order to pull this project off, Bök needed to enlist the help of scientists while mastering multiple skills many people would not normally consider “writing.” But as we head into the future, we definitely should. Radical Autodidacticism: Reaching New Heights Through Deep Discipline To this day, many educators talk about the importance of being a specialist. But The Xenotext project and the work Bök put into it forces us to redefine what it means to be a self-directed learner in the 21st century. When Bök decided to encode a poem into the DNA of an extremophile bacterium, he didn’t just “dabble” in science or explore various interests as a multipotentialite. Nor did he read a few pop-sci books and expect an organism to write a poem in return. No, he spent many years studying genomic and proteomic engineering. He coded his own computer program to help him “unearth” the poetry, all while writing grants and collaborating with multiple experts. The Skill Stack If you’re a lifelong learner with big dreams, it’s useful to examine how people with autodidactic and polymathic personality traits operate. One of the first skills is to allow yourself to dream big. Giving oneself permission like this might not seem like a skill. But since we can model any polymath or other person who inspires us, you probably won’t be surprised that many of the most inspiring polymaths regularly daydream. Picking a dream and pursuing it despite any obstacles is also a skill. And once you’ve got a project, the next step is to take a cue from a polymath like Elon Musk and break your goal down into the most basic principles. No matter how unusual or unlikely your dream, it’s a useful exercise. When it comes to analytical thinking and breaking a goal down so you can start pursuing it, it’s often useful to look at your existing competence. In Bök’s case, I believe he wrote Eunoia by culling words manually from dictionaries over many years. But he couldn’t brute force The Xenotext in that way due to all the biological chemistry involved, so he had to become what you might think of as a computational linguist. My point is not to diminish the originality of this project in any way. But I think it’s helpful to recognize that The Xenotext is not wildly divorced from the skills Bök already had. It’s an evolution that draws from them. There’s also the skill of what Waqas Ahmed calls synesthetic thinking in his book, The Polymath. Not to be mistaken with synesthesia, synesthetic thinking involves imagining an outcome through at least one other sense. In Bök’s case, The Xenotext involves imagining the use of living beings other than human as being part of art. And he has described the possibility that his work could reach “a sufficiently intelligent civilization that has fast computers and smart cryptographers.” This is the skill of sensing beyond our own species and taking the risk of trying to reach them. Even if we’re long gone. We Need Deathless Memory Now, I have a confession to make. One of the many reasons I’m so fascinated by The Xenotext is that my memory is incredibly weak. That’s why I use mnemonics with such passion, including for memorizing poetry. Recently, I had the chance to interview Christian Bök, who you can probably tell by now, I consider to be one of the most rigorous intellects alive. And right in the middle of the interview, I started reciting one of his books from Book I of The Xenotext. For all the mnemonics in the world, I choked. Now, sometimes, this happens just because I have mouth problems and things get a bit sticky. Other times, it’s exhaustion and yet other times, I manage to recite poems with no problem at all. I’m mentioning this human moment in my career as a mnemonist not because I have a deep need to confess. No, this fragile, ephemeral human moment while talking about encoding and retrieving information perfectly from its placement within a living cell suggests the possibility that life really can be the most durable storage device in the universe. And to see this project come to fruition after all the years Bök pushed through multiple struggles inspires me in countless ways. For one thing, Bök’s project strikes me as the ultimate memory strategy. Was Poetry the Original Hard Drive? As Bök reminded me during our discussion, poetry was a memory technology long before writing existed. Rhythm, rhyme, and meter were engineering tools used to ensure information survived the “game of telephone” across generations. In Bök’s words: “We certainly owe every great epic story of the sort like the Epic of Gilgamesh or the Iliad… stories that were intended, of course, to transmit important cultural information over long periods of time. We need poets to be able to create that work and make it memorable enough… to persist over time.” And it is in this context that Christian Bök realized something terrifying: “There’s nothing that we’ve built so far on the planet Earth that would probably last more than a few tens of billions of years at most.” Until his work on The Xenotext succeeded, we have had nothing to rely on apart from our brains assisted by techniques like the Memory Palace, or silicon prostheses. But the computers and servers we now use to store our collective memory are just as subject to rot as paper. Even our homes would be ground into “an almost undetectable layer of geological dust” in just a few million years. So Bök’s selection of a deathless bacterium isn’t just a petri dish stunt. By choosing a specific bacterium that is “widely regarded as one of the most unkillable things ever to have evolved on the planet Earth,” Bök has created a memory inside a “message in a bottle thrown into an enormous ocean” that might actually survive the death of our sun. How to Develop Your Own Polymathic Persistence  Reading this, you might be thinking, “I’m just a student,” or “I’m just a writer.” Bök could have thought that too. As he told me: “My assumption was that I’ve got training in English literature… Obviously, in order to embark upon such a project, I had to acquire a whole set of new skills, familiarize myself with a lot of very difficult discourses.” And so he made the decision to step outside of his lane, joining other innovators who have done the same. But how do you engage in a project that takes decades without burning out? Bök gave me three specific clues you can apply to your own learning journey. One: Embrace the Unknown Bök told me that if he had known how hard the project would be, he might not have started. He called this his “saving grace,” yet how many times do we turn away from our dreams because we don’t know the size of the mountain. Nelson Dellis told me something similar once about memory training. He’s a memory champion, but also a climber who has summited Everest. He said you don’t have to worry about whether the top of the mountain is there or not. Just focus on where you’re going to place your hands next. Two: Focus on Incremental Achievement Even as Bök’s project threw new obstacles at him, he told me: “I gave myself accomplishments or achievements that were incremental, that I knew I could probably fulfill, and would embark upon those doable tasks in an effort to acquire the required skill set in order to accomplish the remainder of these tasks.” In other words, he stacked small, doable wins on top of each other. And kept stacking until he had built a ladder to the impossible. Three: Tunnel Through the Noise Bök was candid about some of the loneliness on the path of the polymath. Sadly, he noted: This project, especially, has been beleaguered with all kinds of obstruction and difficulty that were added to the already difficult task at hand and the improbable kinds of risks that I had to adopt in order to be able to accomplish it. His advice having pushed through and made it to the other side? “If you’re going through hell, keep going. Don’t stop, because otherwise, you’re in hell… Just keep going, try to tunnel through.” Bök's work definitely makes a big statement when it comes to 21st century poetry. But for me, it's also a statement about memory and human potential. The Xenotext challenges us to stop thinking of computers as something that has eclipsed the human brain as the ultimate storage and retrieval device. It places our attention squarely back on the relationship between poetry and life, and the aspects of language that were in so many ways already a technology “infecting” our cells. If you want to become a polymath and enjoy a legacy that lasts, you must be willing to endure what Bök described as “36 different side quests” of complex projects, you must be willing to look at subjects and skills that seem “impossible” and learn them anyway. Ready to start your own “impossible” learning project? I have a guide that will help you develop your own curriculum: This Self-Education Blueprint will help you transform scattered curiosity into tightly interwoven levels of expertise. That way, the knowledge you accumulate gets put to use, and above all, helps others too.

ASB's latest quarterly economic forecast suggests New Zealand's economy is finally turning a corner after last year's recession. ASB Chief Economist Nick Tuffley spoke to Corin Dann.

Signs of a brighter economy in the year to come. ASB's forecasting annual growth of more than two-and a half percent in 2026. It points to an accelerated housing market, more resilient exports, and a renewed willingness to spend. Chief Economist Nick Tuffley told Heather du Plessis-Allan we can expect inflation to soften further, with the Reserve Bank seeing more stimulus in the pipeline. He says it's in wait and see mode - but seems fairly confident it won't have to cut interest rates any further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

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.

Goof to ASB still good?

Conventional wisdom is that safeguarding humanity from the worst biological risks — microbes optimised to kill as many as possible — is difficult bordering on impossible, making bioweapons humanity's single greatest vulnerability. Andrew Snyder-Beattie thinks conventional wisdom could be wrong.Andrew's job at Open Philanthropy is to spend hundreds of millions of dollars to protect as much of humanity as possible in the worst-case scenarios — those with fatality rates near 100% and the collapse of technological civilisation a live possibility.Video, full transcript, and links to learn more: https://80k.info/asbAs Andrew lays out, there are several ways this could happen, including:A national bioweapons programme gone wrong, in particular Russia or North KoreaAI advances making it easier for terrorists or a rogue AI to release highly engineered pathogensMirror bacteria that can evade the immune systems of not only humans, but many animals and potentially plants as wellMost efforts to combat these extreme biorisks have focused on either prevention or new high-tech countermeasures. But prevention may well fail, and high-tech approaches can't scale to protect billions when, with no sane people willing to leave their home, we're just weeks from economic collapse.So Andrew and his biosecurity research team at Open Philanthropy have been seeking an alternative approach. They're proposing a four-stage plan using simple technology that could save most people, and is cheap enough it can be prepared without government support. Andrew is hiring for a range of roles to make it happen — from manufacturing and logistics experts to global health specialists to policymakers and other ambitious entrepreneurs — as well as programme associates to join Open Philanthropy's biosecurity team (apply by October 20!).Fundamentally, organisms so small have no way to penetrate physical barriers or shield themselves from UV, heat, or chemical poisons. We now know how to make highly effective ‘elastomeric' face masks that cost $10, can sit in storage for 20 years, and can be used for six months straight without changing the filter. Any rich country could trivially stockpile enough to cover all essential workers.People can't wear masks 24/7, but fortunately propylene glycol — already found in vapes and smoke machines — is astonishingly good at killing microbes in the air. And, being a common chemical input, industry already produces enough of the stuff to cover every indoor space we need at all times.Add to this the wastewater monitoring and metagenomic sequencing that will detect the most dangerous pathogens before they have a chance to wreak havoc, and we might just buy ourselves enough time to develop the cure we'll need to come out alive.Has everyone been wrong, and biology is actually defence dominant rather than offence dominant? Is this plan crazy — or so crazy it just might work?That's what host Rob Wiblin and Andrew Snyder-Beattie explore in this in-depth conversation.What did you think of the episode? https://forms.gle/66Hw5spgnV3eVWXa6Chapters:Cold open (00:00:00)Who's Andrew Snyder-Beattie? (00:01:23)It could get really bad (00:01:57)The worst-case scenario: mirror bacteria (00:08:58)To actually work, a solution has to be low-tech (00:17:40)Why ASB works on biorisks rather than AI (00:20:37)Plan A is prevention. But it might not work. (00:24:48)The “four pillars” plan (00:30:36)ASB is hiring now to make this happen (00:32:22)Everyone was wrong: biorisks are defence dominant in the limit (00:34:22)Pillar 1: A wall between the virus and your lungs (00:39:33)Pillar 2: Biohardening buildings (00:54:57)Pillar 3: Immediately detecting the pandemic (01:13:57)Pillar 4: A cure (01:27:14)The plan's biggest weaknesses (01:38:35)If it's so good, why are you the only group to suggest it? (01:43:04)Would chaos and conflict make this impossible to pull off? (01:45:08)Would rogue AI make bioweapons? Would other AIs save us? (01:50:05)We can feed the world even if all the plants die (01:56:08)Could a bioweapon make the Earth uninhabitable? (02:05:06)Many open roles to solve bio-extinction — and you don't necessarily need a biology background (02:07:34)Career mistakes ASB thinks are common (02:16:19)How to protect yourself and your family (02:28:21)This episode was recorded on August 12, 2025Video editing: Simon Monsour and Luke MonsourAudio engineering: Milo McGuire, Simon Monsour, and Dominic ArmstrongMusic: CORBITCamera operator: Jake MorrisCoordination, transcriptions, and web: Katy Moore

Munaf Manji and Griffin Warner break down MLB betting for Friday.