Podcasts about ASB

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

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

Host Nigel Grant (Head of Wealth Product, ASB) is joined by returning guest David Griffith (Client Chief Investment Officer and Head of Multi Asset Solutions, BlackRock) to unpack the 2025 Midyear Global Outlook from the BlackRock Investment Institute. They explore the shift away from traditional economic anchors, the rise of mega forces like AI and climate transition, and how these themes are shaping ASB's investment strategy. From portfolio construction in uncertain times to the growing role of private markets, this episode offers practical insights for navigating today's evolving investment landscape. *** 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 31/07/2025. 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.

Last year's recession is still being felt in the job market. Stats NZ data —due out this morning— is expected to show unemployment reached a nine-year high of 5.3% in the June quarter. The economy's been back in growth since the latter part of last year. But ASB Senior Economist Mark Smith told Mike Hosking the economy has lost about 40,000 jobs since the late 2023 peak. More full-time roles have been lost than part time, he explained, and the labour market is getting that much weaker. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Cracking day with the ASX 200 up 107 points to 8770 (1.2%) as banks, tech and resources fired simultaneously. US markets were the catalyst, but local enthusiasm was the fuel. The banks roared ahead with CBA up 1.4% and the Big Bank Basket up to $280.63 (+1.0%). Financials generally firm, QBE up 2.4% and MPL rising 1.6% with XYZ up 3.0%. REITs too firm, GMG up 1.5% and SCG rising 0.8%, rate cut hopes helping the whole sector. Industrials also finding buyers, retail firmed, JBH up 1.8% and WES up 2.8% with SGH up 1.3% and FLT bouncing 1.5%. Tech stocks better too, WTC up 0.8% and XRO rallying 0.7%. Utilities were also form, ORG up 1.4%. In resource land, gold miners popped some corks, NST up 1.0% and NEM rising 4.1%. Rare earth stocks got a boost from media reports that a floor price would be put in place for product, LYC up 5.2% and ILU charging 8.7% ahead. MIN had a good day too. The iron ore sector was modestly higher, FMG up 0.5%. Oil and gas saw some buyers, BPT up 3.0% and WDS up 1.4% with uranium stocks slightly firmer. In corporate news, EOS went crazy on a big EU laser order, up 43.4% CCP defied the gloom and knocked the lights out, up 16.2% and ASB got a government tick pushing 7.9% higher. TPG announced that shareholders will be given cash back following the recent sale of its fibre business. TLX smashed 8.5% on higher operating costs.On the economic front, ANZ– Roy Morgan consumer numbers were very positive. Asian markets firmed, 10-year yields fell to 4.22%. US futures slightly firmer.Want to invest with Marcus Today? The Managed Strategy 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.

Apply to join us as a co-host! https://astrosoundbites.com/recruiting-2025   This week, Shashank, Cole and Cormac discuss a concept that has come up on many an ASB episode past: Bayesian statistics. They start by trying to wrap our heads around what a probability really means. Cole introduces us to a recent and attention-grabbing paper on a potential biosignature in the atmosphere of an exoplanet, with lots of statistics along the way. Then, Cormac brings up some counterpoints to this detection. They debate what it would take—statistically and scientifically—for a detection of biosignatures to cross the line from intriguing to compelling.   New Constraints on DMS and DMDS in the Atmosphere of K2-18 b from JWST MIRI https://iopscience.iop.org/article/10.3847/2041-8213/adc1c8   Are there Spectral Features in the MIRI/LRS Transmission Spectrum of K2-18b? https://arxiv.org/abs/2504.15916   Insufficient evidence for DMS and DMDS in the atmosphere of K2-18 b. From a joint analysis of JWST NIRISS, NIRSpec, and MIRI observations https://arxiv.org/abs/2505.13407   Space Sound: https://www.youtube.com/watch?v=hGdk49LRB14

Andrew is the CEO of the NZGBC and in this episode we hear about the work they do as well as find out more about his life story.  I learned a lot about the way that homes are measured through the Homestar rating and the important work that the New Zealand Green Building Council - and its 700 members - are doing in this area.   NZGBC Website is here  Andrew also shared this Real-world success stories: Explore how other developers are leveraging Homestar to deliver high-performance homes: Homestar Case Studies    Design support: The Homestar Design Guide offers practical strategies for achieving certification, including moisture control, thermal envelope design, and energy efficiency. The financial upsides of energy efficiency healthy homes A recent Infometrics report shows that homes built to 6 Homestar can save homeowners over $62,000 - $99,000 in electricity and mortgage interest. These savings are driven by lower energy bills and access to discounted mortgage that ANZ's Healthy Home Loan provides. Developers or builders can save hundreds of thousands of dollars. The following banks provide significantly lower interest development finance for Homestar homes; ANZ, ASB, BNZ, Kiwibank and Westpac  The Circle: Careers With Impact book is here https://theseeds.nz/articles/the-circle-careers-with-impact/  For more episodes visit www.theseeds.nz   

Today on GeorgeFM Breakfast with Lee & Tammy! Dawson is in the house, we're uncovering Gloria Vale nicknames, a huge ASB surprise for Leon's last day as our intern! & more! Join the Whānau on Instagram, Facebook & Tiktok.

A top lawyer working with the plaintiffs in a large-scale banking class action is calling for a formal investigation into the 'serious civil service process failures' by MBIE. Rachael Reed, KC, has outlined her objections in a letter to Public Service Commissioner Sir Brian Roche and Attorney-General Judith Collins, voicing concerns with the Reserve Bank's risk assessment. She says the $12.9 billion figure is 'fantastical' and says it doesn't have a grasp of reality. "It just doesn't make sense on that first fundamental level." LISTEN ABOVESee omnystudio.com/listener for privacy information.

A top lawyer working with the plaintiffs in a large-scale banking class action is calling for a formal investigation into the 'serious civil service process failures' by MBIE. Rachael Reed, KC, has outlined her objections in a letter to Public Service Commissioner Sir Brian Roche and Attorney-General Judith Collins, voicing concerns with the Reserve Bank's risk assessment. She says the $12.9 billion figure is 'fantastical' and says it doesn't have a grasp of reality. "It just doesn't make sense on that first fundamental level." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Nigel Grant (Head of Wealth Product, ASB) is joined by Gertjan Verdickt (Lecturer in Finance, University of Auckland) to explore the world of passion investing — the practice of putting money into tangible, collectible assets like art, wine, and even Lego. They unpack what drives value in these markets, and how they compare to more traditional investments. Gertjan also shares the research behind his work, some tips for getting started, and what makes passion investing more than just a hobby.

if there was any doubt before the ASB, there's absolutely no doubt now that Cal Raleigh is a bonafide star. In this short and sweet episode, I highlight what Mariners players had 'black ink' in the first half, talk about Cal for a bit, mention a couple other trade targets, and then I ask some key questions about the team headed into the final 40% of the season. Thanks for listening!Twitter - @chaosball1977Email - mschaosball@gmail.com

On the worst day of the baseball calendar, the Thursday after the ASB, Lou Blasi and Sky Dombroske take a look at some interesting names on the EV Leaderboard as play resumes. They talk about Oniel Cruz, James Wood, Addison Barger, Ben Rice, Nick Kurtz, Jesus Sanchez, Alejandro Kirk, Ryan McMahon, and Kyle Stowers, among others ...

Grant reacts to one of the better All Star Games in recent memory- including the ASB, swing-off, and Miz performance. Nyzier Fourqurean is denied eligibilty for a 5th year- Zach helps break it down. Scott Grodsky joins at 5:30 to talk Brewers first half and Packers camp.See omnystudio.com/listener for privacy information.

Today, the boys caught up with Raman Lee from Mates in Construction. MATES in Construction NZ is a suicide prevention and mental health charity embedded in Aotearoa’s construction industry. They provide practical, on-the-ground support through on-site training, a free 24/7 Helpline, and case management. Since launching, they’ve trained over 100,000 workers, built a peer support network of more than 5,000 workers, and partnered with industry, government, and the health sector to drive change. What is the MATES Well-being Survey? Supported by ASB, the MATES Well-being Survey is Aotearoa’s largest survey focused on worker mental health and suicide prevention in the construction sector. The 2025 survey is the fourth and biggest yet. The survey collects data on worker well-being, stressors at work and home, and support needs – with results broken down by key groups, including apprentices, Māori, Pasifika, migrant workers, disabled workers, rural workers, and small business owners and employees. https://bit.ly/3THnjjr

ANZ has declined a proposed settlement by lawyers leading a massive class action against the bank for giving customers the wrong information about their loans. The lawyers asked ANZ to agree to pay a penalty of up to $300 million, on top of the $35 million it has already paid more than 100,000 customers to compensate them for the error. ASB, which is also subject to the class action, is yet to respond to the proposal for it to also make a payment of up to $300 million. NZ Herald Wellington business editor Jenee Tibshraeny explains further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

ANZ has declined a proposed settlement by lawyers leading a massive class action against the bank for giving customers the wrong information about their loans. The lawyers asked ANZ to agree to pay a penalty of up to $300 million, on top of the $35 million it has already paid more than 100,000 customers to compensate them for the error. ASB, which is also subject to the class action, is yet to respond to the proposal for it to also make a payment of up to $300 million. NZ Herald Wellington business editor Jenee Tibshraeny explains further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

There are concerns a class action lawsuit against two of our biggest banks will be undermined by a law change going through Parliament. 

Mortgage-holders will be holding their breath in after yesterday's OCR announcement. The Reserve Bank's opted to keep the Official Cash Rate unchanged at 3.25% while signalling the possibility of further cuts. But new ASB research suggests interest rates remain volatile, with several opposing forces at play. Finance and Mortgage Association Country Manager Leigh Hodgetts told Andrew Dickens that they're holding out hope for a cut in August. She says that people are looking for a bit of relief in their household spending, which would come from interest rates coming down. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Economists say pausing the OCR could be prudent as we wait to find out more about the state of global trade. The Reserve Bank will make a call today on whether to cut the Official Cash Rate for a seventh consecutive time or hold it steady at 3.25%. There's much to consider, including uncertainty about the US tariffs. ASB Chief Economist Nick Tuffley told Heather du Plessis-Allan we'll have more information next month about inflation and inflation expectations. He says hopefully all the trade deadlines will be dealt with and we'll have more clarity about what tariffs countries face. LISTEN ABOVE See omnystudio.com/listener for privacy information.

It was a spectacular weekend for President Trump and his agenda. The big, beautiful bill has passed and been signed into law. As B-2 bombers flew over the White House, President Trump made it official on the 4th of July. It was Jd Vance that put the tying vote over in the Senate to pass the bill 51-50. Senator Eric Schmitt is here with us to discuss the big, beautiful bill and what it means for Americans. American families can expect to see an extra $10,000 in take-home pay each year, no tax on tips, no tax on overtime and no tax on Social Security. Senator Schmitt walks us through the OBBB, including finishing the border wall, permanent tax cuts and changes in Medicaid. The bill will help to reduce the deficit as the reconciliation package takes effect, the growth of the U.S. economy, new trade deals and revenue coming in from tariffs. Long time New Yorkers and Republican candidate Curtis Sliwa is ready to take the fight to Democratic frontrunner Zohran Mamdani in NYC. As the only Republican on the ballot, Sliwa is leading the cause for no-kill shelters in New York, reducing the cost of living, actually stopping and fighting crime and saving the city from Socialism. Featuring: Senator Eric Schmitt U.S. Senator | Missouri https://www.schmitt.senate.gov/ Curtis Sliwa Republican Candidate | NYC Mayor https://www.sliwafornyc.com/ Check out Curtis campaign here: https://www.sliwafornyc.com/ Today's show is brought to you by these great sponsors Firecracker Farms Everything is better with HOT SALT. Firecracker Farms hot salt is hand crafted on their family farm with Carolina Reaper, Ghost and Trinidad Scorpion peppers. This is a balanced, deep flavor pairs perfect with your favorite foods. Whether it's eggs, steaks veggies or even your favorite beverage, Firecracker Farms hot salt is what you've been missing. Just head to https://firecracker.farm/ use code word: SEAN for a discount. Unlock the flavor in your food now! Beam For a limited time got 40% of Beam's Dream Powder. Dream Powder with Reishi, Magnesium, L-Theanine, Apigenin and Melatonin to help you fall asleep, stay asleep, and wake up refreshed. Just head to https://shopbeam.com/SPICER for 40% off. ------------------------------------------------------------- 1️⃣ Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 2️⃣ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ 3️⃣ Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ 4️⃣ Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ 5️⃣ Follow The Sean Spicer Show on social media: Facebook: https://facebook.com/seanspicershow Twitter: https://twitter.com/seanspicershow Instagram: https://instagram.com/seanspicershow Learn more about your ad choices. Visit megaphone.fm/adchoices

Sommer und Hitze bedeuten für Rettungskräftre Einsätze im Grenzbereich. Egal wie heiß es ist, die Helfer müssen im Ernstfall fit sein. Darüber sprechen wir mit dem Landesvorsitzenden des ASB Sachsen, Matthias Czech.

Host Nigel Grant (Head of Wealth Product, ASB) welcomes Frank Jasper in his new role as ASB's Chief Investment Officer. A familiar voice to regular listeners, Frank shares what drew him to the role, his career in financial markets, and his vision for ASB's investment offering. They also discuss his investment philosophy, the risks and opportunities he's watching, and life outside of work.

A friend of ours opened a new business last week. It was a soft opening and will be full steam ahead by the school holidays. So far he is going gangbusters. There's a lot of local support and it looks like a good news story. He is however, if you believe the headlines that have been supplied by his industry association, in very dark and difficult days. They don't look difficult at his place. The GDP figures came out as we were away on the long weekend - up 0.8% for Q1. The Reserve Bank thought it would be 0.4%. Most banks thought it would be 0.7%. The reality was better than everyone thought. Nick Tuffley, the ASB's head man on economics, also on Thursday told us he still had growth in the second quarter just gone, April, May and June. He had us 0.3-0.4% up. Other commentary last week from manufacturing and services said we had hit a brick wall. If Nick is right there is no brick wall, the same way Q1 was not 0.4%, it was 0.8%. The point is this: is it possible we are in such a funk we don't want to see reality? You know what else I read? Australia, the repository of so many disillusioned New Zealanders, is now losing more people than it has since Covid. A mass exodus is on. People are bailing out of Australia, healthcare is chronically bad, you can't get seen, the Government is sinking in debt, house prices have spiked past an average of a million everywhere, there are more people than ever since records began and people are working multiple jobs just to make ends meet. This is Australia, the golden answer for the miserable Kiwi looking for better. Maybe better is here? Maybe in a turbulent, troubled world the Land of the Long White Cloud is actually coming right and people like our mate and his new business sees it. And a lot of what's in front of us is attitude. Is there trouble in some areas? Yes. Are there issues still unresolved? Yes. But do we have growth and prospect? Yes. Do the numbers back that up? Indeed they do! Maybe the grass is in fact nice and just as green here. You just got to want to see it. See omnystudio.com/listener for privacy information.

In den aktuell durchaus turbulenten Zeiten möchten wir heute ein ganz besonderes Projekt vorstellen - ein ehrenamtliches, bei dem es wie der Titel schon verrät um Wünsche und ihre Erfüllung geht

In his final episode, ASB's retiring Head of Asset Management, John Smith, joins host Nigel Grant (Head of Wealth Product, ASB) to reflect on a decades-long career — from paper-based trading to digital platforms, through the establishment of KiwiSaver, and across shifting market cycles. John reflects on what's changed, what's stayed the same, and the lessons he's taking into retirement.

The economy is expected to look better than earlier predictions. Figures —due out from Stats NZ this morning— are expected to show the country's GDP grew 0.7% for the first quarter of the year. It's slightly higher than 0.4%, predicted earlier this year. ASB chief economist Nick Tuffley told Mike Hosking things are expected to slow through the middle half of the year. LISTEN ABOVE See omnystudio.com/listener for privacy information.

What to listen for:Robin Greubel and Crystal Wing return with the brilliant Katylynn Sloan for part two of their conversation on the intersection between chemistry and K9 detection!“Train with as much variety as often as you can, in the weirdest of circumstances you can possibly get to, with as many groups and as many people as you can.”Katylynn dives into one of the most misunderstood topics in the detection world: training aids. She breaks down why the term “pseudo” is falling out of favor, replaced by “alternative training aids,” and classifies them into four types: dilution, absorption, mimic, and vigilance. Each has its pros and pitfalls. Mimics, for instance, rely on human interpretation of what's important for a dog to smell—sometimes right, sometimes not. And vigilance aids? They're about maintaining search behavior, not the odor itself.Katylynn also emphasizes the importance of language. As a member of standards boards like ASB and OSAC, she helps shape definitions so handlers, trainers, and scientists are all speaking the same language in courtrooms and classrooms alike. It's not just about what you know, but how clearly you can explain it. Her advice to aspiring canine scientists? Master problem-solving, communication, and the humility to say, “I don't know.”She also touches on the challenges of HRD training, the evolving definitions of “real” odor, and how even “duh” science needs to be written down. Her message to handlers? Train broadly. Generalization is key. Get variety in odors, people, places, and aids—because you never know what the real world will throw at your dog.Dogs are really good. But they're even better when guided by thoughtful, curious humans willing to adapt, collaborate, and learn. Katylynn's passion isn't just informative—it's contagious.Key Topics:Revising Standards and Defining "Real" Odor (0:59)Introduction to Alternative Training Aids (03:27)Mimics and Human Interpretation in Training Aids (07:30)Applying Dilution/Absorption Concepts to HRD (15:14)Public Comment Process and Impact on Standards (17:18)Skills and Traits for Aspiring K9 Scientists (22:53)Final Takeaways: Variety, Generalization, and Collaboration (39:52)Resources:The manipulation of odor availability of training aids used in detection canine trainingAAFS Academy Standards BoardLindsay Waldrop's LabWe want to hear from you:Check out the K9 Detection Collaborative FB page and comment on the episode post!K9Sensus Detection Dog Trainer AcademyK9Sensus Foundation can be found on Facebook and Instagram. We have a Trainer's Group on Facebook!Scentsabilities Nosework is also on Facebook. Here is a Facebook group you should join!Crystal Wing (CB K9) can be found here!You can follow us for notifications of upcoming episodes, find us at k9detectioncollaborative.com

Host Nigel Grant (Head of Wealth Product, ASB) is joined by Frank Jasper (Investment Strategist, ASB) to break down the basics of financial markets and how they connect to your KiwiSaver account or Investment Fund. They explore how markets work, what drives their movements, and how ASB applies a long-term strategy to manage risk and build robust portfolios.

In this episode, we say goodbye to one of our beloved hosts, Sabrina Berger. We take a voyage through the depths and breadths of Sabrina's research experience. Cole tells us how Sabrina investigates JWST's ability to estimate the masses of galaxies through the glare of their quasars, and Lucia tells us how Sabrina used navigation satellites to calibrate radio telescopes. In between, we quiz Sabrina on her own ASB episodes and finish with Sabrina's experience in 3 different countries and Sabrina's advice for future grad students!   Arxiv links: https://arxiv.org/abs/2411.06144 (second paper coming soon to an arxiv near you!)

Host Nigel Grant (Head of Wealth Product, ASB) is joined by Senior Economist Chris Tennent-Brown (ASB) to unpack two major events shaping New Zealand's economic landscape — the Reserve Bank's latest OCR decision and the Government's 2025 Budget. They explore how these announcements could impact interest rates, markets and mortgage rates — and what the KiwiSaver changes could mean for how investors plan, contribute and stay on track.

The Government's defending their move to change a law which protects Australian banks from Kiwi customers. More than 15,000 mortgage holders could miss out on hundreds of millions in compensation for mistakes made by ANZ and ASB. Commerce Minister Scott Simpson talks to Heather du Plessis-Allan about the proposal. LISTEN ABOVE. lawyer on the proposed changes to NZ lending laws and the ensuing lawsuitSee omnystudio.com/listener for privacy information.

ASB's Housing Confidence Survey shows 28 percent of respondents believe it's a good time to buy, the highest number since 2011. Chief Economist Nick Tuffley spoke to Paddy Gower.

Lawyer Scott Russell says proposed changes to our lending laws only benefit Aussie banks. The bill, currently before Select Committee, aims to lessen red tape for such things as adjusting credit limits and applying for credit cards. Russell's representing 170,000 Kiwis in a class action against ANZ and ASB, and says the changes protect those banks. He says they argue penalties under the law are a risk to the economy. "That's just simply rubbish, there's no evidence of that and it seems the suspicion is, by many, that the law is just National helping out the Australian banks." LISTEN ABOVESee omnystudio.com/listener for privacy information.

A new report from ASB and Lincoln University, launched at E Tipu today, shows that Kiwi farmers could unlock $10 billion in additional value for the economy by optimising land use by just 10% – and the transformation could happen within the next 5–7 years.See omnystudio.com/listener for privacy information.

Our weekly podcast - even more rambly than usual as we chat with ASB about attracting new players, having a positive scene + Beastmen are on the way.And, of course, patreon questions!!Oh and we ramble so much we really don't cover beastmen but I'm sure we will this week as it arrives :)[0:00:23] ASB Intro[0:03:38] Gommo sizzles some Warhammer book hobby for later[0:04:20] New player v competitive player conversation starts[0:54:15] Gotcha chat[1:29:15] Patreon Shoutouts, a Question[1:39:48] Really brief Beastmen shoutout... (why does OWF hate beastmen?) [1:45:55] More Patreon Questions![1:54:30] Apparently Newcastle Legions Club has closed?![1:57:10] Josh throws some absolute podcast shade[2:00:30] ASB Hobby[2:11:10] Gommo Hobby (never mentions his book thing tho - mysterious!)[2:14:42] WrapupJoin our live stream chat on Discord if you want to share hobby - https://discord.gg/9ZfQtvGUA4Shop Old World @ Element Gameshttps://elementgames.co.uk/wargames-and-miniatures-by-manufacturer/games-workshop/warhammer-the-old-world?d=11247Let's get into it!!Links and Shoutouts✨ Old World Rankings - https://oldworldrankings.comSquare Based Renegade Pack - https://www.squarebased.com/Support the Show

ASB Chief Economist Nick Tuffley joins host Nigel Grant (Head of Wealth Product, ASB) to unpack what has been moving markets in New Zealand and abroad. They discuss global economic pressures, the OCR outlook, and what it all means for inflation, housing, and growth. Plus, what should be top of mind for investors and business owners in the months ahead.

In this special follow-up to a recent ASB Investor Insights webinar, host Nigel Grant (Head of Wealth Product, ASB) is joined by Will Porter (Investment Strategist, BlackRock) to answer the questions on investors' minds. They unpack the drivers of recent market volatility, the implications for markets, and how ASB portfolios are structured to navigate volatility. Plus, they explore what the path to recovery might look like—and how New Zealand could benefit from shifting global trade dynamics. *** 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 08/05/2025. 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.

New Zealand banks are being asked to pay up in the next few months. Kiwibank, BNZ, Westpac, ANZ and ASB will need to repay around $9.2 billion in cheap Covid-era loans to the Reserve Bank. Infometrics Principal Economist Brad Olsen told Mike Hosking that they have variety of options they can use to repay the money. He says the banks knew when taking out these loans they'd have to pay them back eventually. Olsen told Hosking that if they're not ready to pay them back, they probably don't qualify to be called bankers at this point. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Host Nigel Grant (Head of Wealth Product, ASB) is joined by Kirk Hope (CEO, Financial Services Council) to unpack the capital markets initiative and its potential impact for KiwiSaver members. They dive into how unlocking access to more private market investments could boost diversification and returns for members, while driving economic growth and infrastructure development. Plus, the hurdles to overcome and what's next for the initiative. 

Join us for our very first "Versus Edition" podcast where ASB takes on a coach or athlete in their sport. This video was filmed at the Riverside Country Club in Carlsbad, New Mexico. We get insight on the CHS Golf Team and much more from Head Coach Brian Jones while battling each other in 3 holes of match play. Presented by CNB Bank Filmed by Isaiah Galindo Produced by All Sports Best & Isaiah Galindo

We enjoyed our first interview with Dave McMaster so much that we spoke with him a second time! If you missed the first interview on what it is like to start an international school, definitely check it out – it's Episode 74. Dave also recorded two Going Global Stories for us. Head to our information hub to enjoy those. Dave has 35 years of K-12 education experience, primarily in leadership roles in Canada, Hong Kong, and Bahrain. He joined the Esol organization in Bahrain in September 2018, and led the founding team in establishing the American School of Bahrain, which opened its doors to just over 100 students amid the COVID-19 Pandemic and has grown to nearly 800 students in its first five years of operation.Prior to this role, Dave served as Principal and Head of School at the Canadian International School of Hong Kong. During his tenure, he spearheaded the authorization process for the full slate of International Baccalaureate (IB) programs. Within six years, CDNIS DP students ranked in the top 10% of IB schools worldwide, and CDNIS was recognized as the top international school in Hong Kong for seven consecutive years. Dave has founded three schools, including the American School of Bahrain.Dave's authenticity as an educational leader motivates the entire school community to continually improve, ensuring excellence in educational provision. He strongly believes that cultivating a school culture based on mutual respect, happiness, and high yet realistic expectations will lead to a fruitful educational experience for students. He emphasizes the "smile index" as a key barometer for assessing a school's success. Dave also has extensive experience in recruiting, hiring, and retaining top educators, which he considers crucial to the success of founding ASB.Dave holds a Bachelor of Education from Queen's University. He also earned a Master of Arts in Educational Leadership from San Diego State University.Our Guiding Question was, “What is it like teaching and living in the Middle East?”Here are a few of the topics covered in this episode:What teachers can experience teaching in a fairly typical Middle Eastern international schoolSome advantages of and expectations for living in the Middle East as expats, particularly in BahrainResources mentioned in the episode:American School of BahrainDave's Contact Information: LinkedInInstagramThe show was recorded on February 16, 2025.Categories: School Life | Travel | Recruiting | Bahrain Remember to access our Educators Going Global website for more information and consider joining our Patreon community at patreon/educatorsgoingglobal!Email us with comments or suggestions at educatorsgoingglobal@gmail.com Follow us on LinkedIn, Facebook, Instagram or YouTube.Listen on your favorite podcast app: connect from our share page.Music: YouTube. (2022). Acoustic Guitar | Folk | No copyright | 2022❤️. YouTube. Retrieved October 11, 2022, from https://www.youtube.com/watch?v=YOEmg_6i7jA.

Increased global trade barriers —like Donald Trump's tariffs— are continuing to slow down New Zealand's economic recovery. Infometrics is drastically reducing its GDP growth forecast from 2.6% to just 1%. Many economists now expect the Reserve Bank to go harder for longer with OCR cuts, despite a likely rise in inflation. ASB Chief Executive Vittoria Shortt told Mike Hosking many businesses don't know how they'll be affected by the global uncertainty. He says confidence had started to reappear but is now dampening as things start going on hold. LISTEN ABOVE See omnystudio.com/listener for privacy information.

USPAP, Verification, and Bernoulli's Fallacy.  That's a mouthful!  What does it mean?  I'm assuming  you've heard of USPAP.  Verification is an important component of USPAP's SR1-4 (learn it, love it, use it).  But it is likely Bernoulli's Fallacy is something you don't know about.  Yet.  You will, though.  It is going to become really important in residential real estate appraisal, especially when UAD3.6 takes effect in November of 2026.  Read on to learn why. Really USPAP, verification and Bernoulli's Fallacy go together.  USPAP's Standards Rule 1-4 requires us appraisers to "...collect, verify, and analyze all information necessary for credible assignment results."  As with a lot of USPAP, this is not overly clear (hello, ASB!).  Bernoulli's Fallacy says, in so many words, in statistical inference, people often wrongly assume that a single event, or a small number of observations, directly reveals the underlying probability of a process.  We see this all the time from clients.  Most houses in a subdivision sell for between $300K and $350K.  Yet the one with the premium view and the kitchen upgrades that sold for $393K gets all their attention.  If the subject is your basic house in the neighborhood, then its value is somewhere between $300K and $350K, that one outlier notwithstanding.  One outlier's price does not predict market value, despite what the client demands. USPAP, verification, and Bernoulli's Fallacy are a package deal.  USPAP demands verification and we avoid Bernoulli's Fallacy by being very skeptical about the predictive value of one or two outliers.  This will become even more important as UAD3.6 kicks in and appraisers will need to write more in their appraisal reports.  Are you preparing for that? Questions?  Contact me at tim@theappraisersadvocate.com.   Need legal help or information on E&O insurance.  I can help you with those, too.

Munaf Manji and Mackeznie Rivers talk NBA playoff play-in games. The guys also give out best bets.

Alex Golden is joined by Kyle Taylor to discuss the Pacers recent decision to insert Jarace Walker back into the rotation. How can Jarace lift the Pacers bench, what has gone wrong with these units since Nesmith was made a starter for Mathurin, is there an underlying issue with the inconsistent bench play, why has it taken Jarace this long to get back into the rotation consistently and how Pascal has played since the ASB. 

One of the big banks has launched a new scam busting tool that verifies in real time, if the person on the phone to is from from the bank. A study last year by the Global Anti-Scam Alliance found half of New Zealanders had experienced a rise in scam encounters over a 12 month period and more than 40% received were by phone. ASB's General Manager Fraud and Scams Brodie McDonald spoke to Lisa Owen.

Braden was able to attend BakingTech 2025 in Orlando, Florida and he is here to share with you about the amazing students who participated in the product development competition. Special thanks to the American Society of Baking for allowing us to record at BakingTech and to their director of education, Sarah Day, who manages the competition and spoke to us. Find more about ASB here. Learn about the National Honey Board here.University of Massachusetts Food ScienceCornell Food Science Oregon State University Food Science Find Puratos at:@PuratosUSA- Twitter@PuratosUS- Instagrampuratos.us

In this episode, Jon is joined by FORMER Knicks beat writer & FORMER friend of the pod Fred Katz of The Athletic to discuss the Knicks season leading up to the Allstar break, both asking an over-arching question, making a post ASB prediction & giving one hot take. (PRODUCER'S NOTE: That episode description sounds great, right? Well, I'm only 25% sure that's what actually happened, since this episode featured so much more Macri/Katz chaos & nonsense than you've ever seen/listened to. I don't even think timestamps are even necessary, let alone possible. What I can promise is that something very funny & unbelievable happened to Macri just before we started recording & it's teased throughout the episode before FINALLY revealed. Hope you enjoy - both the show & the break!) Watch the video version of this podcast on our YouTube channel! FOLLOW MACRI - @JCMacriNBA FOLLOW FRED - @FredKatz FOLLOW GMAC - @AndrewJClaudio_ CHECK OUT THE KFS MERCH STORE! FOR AN AD-FREE, UNINTERUPTED VERSION OF THIS EPISODE, SIGN UP FOR THE MELO TIER ON PATREON! SPONSORS: GO TO WWW.ROCKETMONEY.COM/GAMEON! CANCEL YOUR UNWANTED SUBSCRIPTIONS AND REACH YOUR FINANCIAL GOALS FASTER WITH ROCKET MONEY. Learn more about your ad choices. Visit podcastchoices.com/adchoices