Podcasts about ASB

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.

Mixed opinions on when unemployment will reach its peak. Stats NZ data out this morning is predicted to show rates increased to around 5.2% during the March quarter. ANZ Chief Economist Sharon Zollner expects this will likely be as high as it will go. While ASB senior economist Mark Smith told Ryan Bridge it could be a bit higher later in the year. He says they've seen firms hold back on hiring as disruptions to trade and economic concerns continue. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Col 3:12 Therefore, as the elect of God, holy and beloved, put on tender mercies, kindness, humility, meekness, longsuffering; 3:12 “chosen of God, holy and beloved” These terms were used to describe Israel (Exod. 19:5–6), but now they describe the church (cf. Gal. 6:16; 1 Pet. 2:5, 9; Rev. 1:6). Notice that the goal of the People of God is holiness (cf. Eph. 1:4), not a privileged standing. Israel was chosen as a tool to reach all humans made in the image of God. Israel missed her evangelistic mandate (cf. Gen. 12:3; Exod. 19:5). The Church has clearly been given this assignment (cf. Matt. 28:19–20; Acts 1:8). Believers are called to holiness and to be witnesses. Christians are defined here as ‘the elect of God, holy and beloved'. This means that God has chosen them from eternity for salvation. Once saved, Christians are holy before God, being set apart in Christ by the Holy Spirit who indwells them. If we are saved we are highly loved by an act of divine love that flows from his heart (Rom. 9:13a)[1] Chosen by God, set apart for God, loved by God, and forgiven by God. They all add up to GRACE! Now, because of these gracious blessings, the Christian has some solemn responsibilities before God. He must put on the beautiful graces of the Christian life. Paul named eight graces.[1] “Put on the new man,” says Paul. “Put on mercy, kindness, and humility. Put on meekness, longsuffering, and love.” In short, put on Christ.[1]  “put on” This is an AORIST MIDDLE IMPERATIVE which indicates urgency. This is the continuing use of clothing as a symbol and mandate for the Christian life. It is even possible that this was baptismal terminology (cf. Gal. 3:27 For as many of you as were baptized into Christ have put on Christ). Put on …NASB “a heart of compassion” and indicates deep feelings[1] NKJV “tender mercies” TEV Today's English Version “compassion” NJB The New Jerusalem Bible “heartfelt compassion”                 This is literally “bowels of compassion” (cf. 2 Cor. 6:12; Phil. 1:8; 2:1; Philemon 7, 12, 20). The ancients believed the seat of emotion was located in the lower intestines (abdomen). Kindness, gentleness and patience are part of the fruit of the Spirit that Paul describes in his letter to the Galatians (Galatians 5:22). They help Christians live in harmony with one another. Compassion and humility may sound like weaknesses. But Jesus showed in his own life that compassion and humility are at the heart of God.[1] Put on … “kindness” is the desire for another's good, and shows sweetness of disposition. This should be the Christian's response to others (cf. Rom. 2:4; 9:23; 11:22; 2 Cor. 6:6; Gal. 5:22; Col. 3:12; Titus 3:4). Put on … “humility” Humility of mind' speaks of lowliness (Eph. 4:2; Phil. 2:3–5) and allows us to recognize that we have no reason or right to be self-confident.[1] This is a uniquely Christian virtue (cf. Eph. 4:2; Phil. 2:3). The Stoics viewed meekness (humbleness) as weakness and did not include it in their list of virtues. Only two people in the Bible are called humble, Moses (cf. Num. 12:3) and Jesus (cf. Matt. 11:29; Phil. 2:8). This becomes the will of God for every believer (cf. Matt. 18:4; 23:12; James 4:6, 10; 1 Pet. 5:5, 6). This term is used in a negative sense in 2:18, 23. The pagan world of Paul's day did not admire humility. Instead, they admired pride and domination. Jesus Christ is the greatest example of humbleness of mind (Phil. 2:1ff). Humility is not thinking poorly of oneself. Rather, it is having the proper estimate of oneself in the will of God (Rom. 12:3). The person with humbleness of mind thinks of others first and not of himself.[1] Put on … “gentleness or meekness” means Power under control. This originally referred to domesticated animals (horses, camels, donkeys) whose strength had been channeled for their master's purpose. God does not want to break us, but direct His giftedness to His glory. Paul often uses this metaphor for the Christian life (cf. 1 Cor. 4:21; 2 Cor. 10:1; Gal. 5:23; 6:1; Eph. 4:2; Col. 3:12; 1 Tim. 6:11; 2 Tim. 2:25).      Put on … ‘Meekness' is the opposite of self-interest and reveals itself in gentleness. It is a spirit of quiet submission, not weakness but rather a spirit of Christian courtesy. Thomas Watson once said, ‘Meekness is a grace whereby we are enabled by the Spirit of God to moderate our passions' (see 2 Cor. 10:1[1] Put on …Longsuffering or patience” This is often used of God's patience with people (cf. Rom. 2:4; 9:22; Titus 3:2, 1 Pet. 3:20) or Jesus' patience (cf. 1 Tim. 1:16; 2 Pet. 3:15). It is used to exhort believers in their treatment of one another (cf. 1 Cor. 13:4; Gal. 5:22; Eph. 4:2; 2 Tim. 4:2). This word is literally “long-temper.” The short-tempered person speaks and acts impulsively and lacks self-control. When a person is long-suffering, he can put up with provoking people or circumstances without retaliating. It is good to be able to get angry, for this is a sign of holy character. But it is wrong to get angry quickly at the wrong things and for the wrong reasons.[1]      Patience in the face of provocation and suffering. This is a divine attribute (Rom. 2:4; 9:22). It is the opposite of anger and ‘it is associated with mercy'. Kindness, gentleness and patience are part of the fruit of the Spirit that Paul describes in his letter to the Galatians (Galatians 5:22). They help Christians live in harmony with one another. Compassion and humility may sound like weaknesses. But Jesus showed in his own life that compassion and humility are at the heart of God.[1] Col 3:13 bearing with one another, and forgiving one another, if anyone has a complaint against another; even as Christ forgave you, so you also must do.  ASB, NKJV “bearing with one another” NJB “bear with one another” TEV “be tolerant with one another” Put on forbearance …bearing with one another is a PRESENT MIDDLE PARTICIPLE (used as an IMPERATIVE) which implies voluntary non-retaliation (cf. Eph. 4:2; Phil. 2:3–4). This word literally means “to hold up” or “to hold back.” God is forbearing toward sinners in that He holds back His judgment (Rom. 2:4; 3:25). Meekness, long-suffering, and forbearance go together.[1] Paul emphasizes forgiveness, as Jesus used to do. Forgiving one another and being forgiven by God belong closely together—indeed, they are inseparable (Matthew 6:14–15).[1] Put on forgiveness … “forgiving each other” This is a PRESENT MIDDLE (deponent) PARTICIPLE. It is from the same Greek root as grace, “freely forgive.” One sign of believers being forgiven is that they forgive others (cf. Matt. 5:7; 6:15; 18:22–35; Mark 11:25; Luke 6:36–38; James 2:13; 5:9). Forgiveness of others is not the basis of forgiveness, but it is its fruit. “whoever has a complaint” This is a THIRD CLASS CONDITIONAL SENTENCE which meant probable future action. There will be complaints! Christians will be at odds with other Christians, but Jesus' cross should put a stop to it (cf. Rom. 14:1–15:13).  “just as the Lord forgave you” This is the basis for believers' actions toward others (cf. Eph. 4:32; Rom. 15:7). The point here is that of keeping oneself in check even when irritated by others, and the forgetting of offences personally received. We have to do so looking to Christ as our example: ‘even as Christ forgave you, so you also must do'. Believers can, and must, be a forgiving people (Matt. 6:14–15). Peter was told to forgive up to seventy times seven (Matt. 18:22). Note that Paul is still discoursing on Christian freedom! The antinomians will not like this clear and indisputable call from Paul because they consider themselves not under the law of obedience. However, a forgiving attitude marks out a true Christian from a false one.[1] This is the logical result of all that Paul has written so far in this section. It is not enough that the Christian must endure grief and provocation, and refuse to retaliate; he must also forgive the troublemaker. If he does not, then feelings of malice will develop in the heart; and these can lead to greater sins.[1]        Mark 8:36 "For what will it profit a man if he gains the whole world, and loses his own soul?              John 14:6 Jesus said to him, “I am the way, the truth, and the life. No one comes to the Father except through Me. Have you trusted Him as your Savior? He can Save you if You ask Him based on His death, burial, and resurrection for your sins. Believe in Him for forgiveness of your sins today.               “And you shall know the truth, and the truth shall make you free.”  -John 8:32             Our mission is to spread the gospel and to go to the least of these with the life-changing message of Jesus Christ; We reach out to those the World has forgotten.              hisloveministries.podbean.com #HLMSocial hisloveministries.net https://www.instagram.com/hisloveministries1/?hl=en His Love Ministries on Itunes Don't go for all the gusto you can get, go for all the God (Jesus Christ) you can get. The gusto will get you, Jesus can save you. https://www.facebook.com/His-Love-Ministries-246606668725869/?tn-str=k*F             The world is trying to solve earthly problems that can only be solved with heavenly solutions

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. 

These days I have blurry memories of my time at primary school in Auckland in the late 70s, early 80s, but I can very clearly remember my ASB school banking book. ASB began school banking in 1972 as a way for children to learn about saving and banks, and I guess it was also with a view to retaining us as customers when we were in the workforce and had real amounts of money. On banking days, I can remember bringing my 50 cents to school to make the deposit. My book was stamp marked with the date and the deposit and new balance amounts written in. And goodness, did I love watching the balance increase. I'm pretty sure at one point I had an ASB Kashin elephant money box as well. I'm sure this is ringing a bell with some of you. This is far from what the Government proposed this week - compulsory financial education for students up to year 10, starting in 2026. But, encouraged by my parents, it was at primary school that my understanding of savings and budgeting began - because it was easy and available. While I was budgeting to add to my rubber and sticker collections the real benefit was that I became a good saver, and it has stuck with me for life. As has my now worthless rubber collection - currently in a box under the stairs. I know teachers are inundated with curriculum changes and already have a lot to deal with in the classroom - but there must be room to grow financial literacy beyond what's in the maths curriculum. Concepts like saving, budgeting, debt and investment. Of all the things students learn to prepare them for life after school, surely this is among the most useful and important. Yes, this is something parents should be teaching their children, but financial knowledge is not equal amongst adults. Some parents don't like talking about money. Some assume their children will pick up good money management habits through osmosis. Some prefer to leave it to an expert to explain along the way. And many children just don't listen to their parents. When my son got his first part-time job, I suggested he read Get Started Investing by the guys behind the Equity Mates podcast. It was perfect for a teen boy. But no, the idea of having his own money and the freedom to spend it how he liked was way too exciting. OK - so I was a bit optimistic, but at least I know that in theory he understands the idea of compound interest. I'm enthusiastic about my children becoming financially independent - as quickly as possible - so the more information they have, from as many sources as possible, the better prepared they are to make good decisions. As an adult I'm still learning how to manage my money better. So, let's get them started young. We don't know what the curriculum requirements will be at this stage, but let's give our children the basics and the best chance to be good with money for life. LISTEN ABOVESee omnystudio.com/listener for privacy information.

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

Még fizet is a Microsoft, ha önként kilépnek az alulteljesítő dolgozók Igényesférfi.hu     2025-04-26 05:04:05     Infotech Microsoft A techóriás nem riad vissza a létszámleépítéstől, sőt: jelentős pénzösszeggel támogatja alulteljesítő alkalmazottai önkéntes kilépését. Úgy tűnik, felnőtteknél is visszafordítható a mogyoróallergia Telex     2025-04-26 06:00:06     Tudomány Allergia A kutatás során a földimogyoró tolerálható adagja százszorosára nőtt, ami óriási segítség lehet a súlyosan allergiás felnőttek számára. Most kiderül, mire jó az agyunk, és mire nem Helló Sajtó!     2025-04-26 10:39:02     Tudomány BME Május 6-án, kedden következik a Jövőtervező.BME sorozat 7. állomása, ezúttal a Természettudományi Kar kutatóival. A Gépi neuron és kvantumagy: tudományos ötletek és megoldások az újrahálózott információtechnológiában című esemény moderátora Asbóth János, az Elméleti Fizika Tanszék docense lesz – az ő segítségével tekintjük át, mire számíthatunk az Humanoid robotokat is indítottak a pekingi félmaratonon ICT Global     2025-04-26 05:03:29     Infotech Kína Robot Peking Huszonegy humanoid robotot is indítottak bemutatóként a több mint tízezer résztvevő mellett a szombaton Pekingben megrendezett félmaratonon. Ez volt az első alkalom, hogy robotokat is próbára tettek a 21 kilométeres távon. Az LG tévék tulajdonosai örülhetnek TechWorld     2025-04-26 07:07:14     Infotech Xbox Érkezik az LG televízióra egy óriási hozzáadott értéket jelentő szolgáltatás. Az LG régóta keményen dolgozik azon, hogy tágítsa a televíziózás határait. Ezen az úton pedig a cég egy hatalmas mérföldkőhöz érkezett. Az újabb LG televíziókon ugyanis úgy futtathatóak Xbox játékok, hogy ahhoz nincs szükség játékkonzolra. Így az Xbox alkalmazás immár elé A Nokia vezetője az amerikai gyártás bővítését fontolgatja a vámok enyhítésére SG.hu     2025-04-26 10:27:57     Mobiltech USA Nokia A vezérigazgató az első negyedévi profit meredek csökkenésének bejelentésekor beszélt erről. Gyanúsan növekvő foltot talált űrsétáján az asztronauta, menekülnie kellett Life     2025-04-26 13:30:00     Életmód Világűr Egy orosz űrhajós nemrégiben vérfagyasztó jelenség tanúja lett: gyanúsan növekvő foltot talált az űrben. Az űrséta rögtön félbeszakadt az asztronauta számára, azonnal menekülnie kellett. A magányos merénylőktől kell a leginkább tartani Ferenc pápa temetésén, de nem lesz könnyű dolga annak, aki be akar jutni a helyszínre hirado.hu     2025-04-26 05:57:12     Külföld Terrortámadás Ferenc pápa Robot Hajós István biztonsági és robotikai szakértő részletezte a hirado.hu-nak, hogy milyen biztonsági kockázatai vannak a pápa gyászszertartásának, illetve azt is elárulta, hogy milyen intézkedéseket vezetnek be, hogy a lehető legnagyobb biztonságban legyen a csaknem 200 ezer résztvevő, köztük a világ vezető politikusai. MI a fedélzeten: emberek nélkül indulnak útnak az új generációs hajók autopro     2025-04-26 04:20:00     Autó-motor USA Közlekedés Mesterséges intelligencia Generáció Startup Egy amerikai startup új korszakot ígér a tengeri közlekedésben: kapitány nélküli, mesterséges intelligencia által irányított hajókat fejlesztenek. A további adásainkat keresd a podcast.hirstart.hu oldalunkon.

Még fizet is a Microsoft, ha önként kilépnek az alulteljesítő dolgozók Igényesférfi.hu     2025-04-26 05:04:05     Infotech Microsoft A techóriás nem riad vissza a létszámleépítéstől, sőt: jelentős pénzösszeggel támogatja alulteljesítő alkalmazottai önkéntes kilépését. Úgy tűnik, felnőtteknél is visszafordítható a mogyoróallergia Telex     2025-04-26 06:00:06     Tudomány Allergia A kutatás során a földimogyoró tolerálható adagja százszorosára nőtt, ami óriási segítség lehet a súlyosan allergiás felnőttek számára. Most kiderül, mire jó az agyunk, és mire nem Helló Sajtó!     2025-04-26 10:39:02     Tudomány BME Május 6-án, kedden következik a Jövőtervező.BME sorozat 7. állomása, ezúttal a Természettudományi Kar kutatóival. A Gépi neuron és kvantumagy: tudományos ötletek és megoldások az újrahálózott információtechnológiában című esemény moderátora Asbóth János, az Elméleti Fizika Tanszék docense lesz – az ő segítségével tekintjük át, mire számíthatunk az Humanoid robotokat is indítottak a pekingi félmaratonon ICT Global     2025-04-26 05:03:29     Infotech Kína Robot Peking Huszonegy humanoid robotot is indítottak bemutatóként a több mint tízezer résztvevő mellett a szombaton Pekingben megrendezett félmaratonon. Ez volt az első alkalom, hogy robotokat is próbára tettek a 21 kilométeres távon. Az LG tévék tulajdonosai örülhetnek TechWorld     2025-04-26 07:07:14     Infotech Xbox Érkezik az LG televízióra egy óriási hozzáadott értéket jelentő szolgáltatás. Az LG régóta keményen dolgozik azon, hogy tágítsa a televíziózás határait. Ezen az úton pedig a cég egy hatalmas mérföldkőhöz érkezett. Az újabb LG televíziókon ugyanis úgy futtathatóak Xbox játékok, hogy ahhoz nincs szükség játékkonzolra. Így az Xbox alkalmazás immár elé A Nokia vezetője az amerikai gyártás bővítését fontolgatja a vámok enyhítésére SG.hu     2025-04-26 10:27:57     Mobiltech USA Nokia A vezérigazgató az első negyedévi profit meredek csökkenésének bejelentésekor beszélt erről. Gyanúsan növekvő foltot talált űrsétáján az asztronauta, menekülnie kellett Life     2025-04-26 13:30:00     Életmód Világűr Egy orosz űrhajós nemrégiben vérfagyasztó jelenség tanúja lett: gyanúsan növekvő foltot talált az űrben. Az űrséta rögtön félbeszakadt az asztronauta számára, azonnal menekülnie kellett. A magányos merénylőktől kell a leginkább tartani Ferenc pápa temetésén, de nem lesz könnyű dolga annak, aki be akar jutni a helyszínre hirado.hu     2025-04-26 05:57:12     Külföld Terrortámadás Ferenc pápa Robot Hajós István biztonsági és robotikai szakértő részletezte a hirado.hu-nak, hogy milyen biztonsági kockázatai vannak a pápa gyászszertartásának, illetve azt is elárulta, hogy milyen intézkedéseket vezetnek be, hogy a lehető legnagyobb biztonságban legyen a csaknem 200 ezer résztvevő, köztük a világ vezető politikusai. MI a fedélzeten: emberek nélkül indulnak útnak az új generációs hajók autopro     2025-04-26 04:20:00     Autó-motor USA Közlekedés Mesterséges intelligencia Generáció Startup Egy amerikai startup új korszakot ígér a tengeri közlekedésben: kapitány nélküli, mesterséges intelligencia által irányított hajókat fejlesztenek. A további adásainkat keresd a podcast.hirstart.hu oldalunkon.

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.

Our economy could take a knock, with volatility in the global trade environment. Infometrics has revised its GDP forecast for next year from 2.6% to 1.0% per annum, in anticipation of reduced exports stemming from Donald Trump's tariff policy. The annual inflation rate is expected to have risen from 2.2% to about 2.4%. ASB Chief Economist Nick Tuffley told Ryan Bridge they're not too worried about a slight increase in inflation, as the domestic part of inflation should fall substantially this quarter. 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.

The Government has introduced legislation that could see more than 150,000 mortgage holders miss out on hundreds of millions in compensation for mistakes made by ANZ and ASB. The Government wants to ensure lenders are not disproportionately punished if they fail to disclose all the right information about a product to their customers. NZ Herald Wellington business editor Jenee Tibshraeny explains what this could mean for the banks - and homeowners. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Join ASB Senior Economist Chris Tennent-Brown and host Nigel Grant (Head of Wealth Product, ASB) as they unpack the latest shifts in the local and global economic landscape. They discuss the Reserve Bank's OCR cut, the latest on US tariffs, and rising global uncertainty. Hear what all of this means for mortgage rates, term deposits and investors. Plus, how ASB has positioned portfolios to handle market volatility.

The Government has introduced legislation that could see more than 150,000 mortgage holders miss out on hundreds of millions in compensation for mistakes made by ANZ and ASB. The Government wants to ensure lenders are not disproportionately punished if they fail to disclose all the right information about a product to their customers. NZ Herald Wellington business editor Jenee Tibshraeny explains what this could mean for the banks - and homeowners. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Another major bank has advice for mortgage holders ahead of The Royal Bank of New Zealand official cash rate decision new week. The Royal Bank of New Zealand is expected to cut the OCT by 25bp to 3.50% on April 9. Westpac said the decision to cut is the wrong one. ASB Chief Economist Nick Tuffley talks to Ryan Bridge about the decision. LISTEN ABOVE.See omnystudio.com/listener for privacy information.

On the Heather du Plessis-Allan Drive Full Show Podcast for Monday, 4 April 2025, human error and incompetence were the main issues that led to the Manawanui's sinking. And the Defence Minister makes a shocking revelation in her interview with Ryan Bridge. The Treaty Principles Bill has been given the thumbs down by Parliament's Select Committee. Ryan asks chair James Meager whether it was all a waste of time and money. ASB's Nick Tuffley explains what Trump's tariffs mean for your mortgage. Plus, the Sports Huddle debates Red Bull's claim they were protecting Liam Lawson's mental health by dropping him, and why are four of the six top Super Rugby teams from Australia? Get the Heather du Plessis-Allan Drive Full Show Podcast every weekday evening on iHeartRadio, or wherever you get your podcasts.See omnystudio.com/listener for privacy information.

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. 

Host Nigel Grant is joined by Will Thomson (Managing Director, Global Infrastructure Partners) and Matt Dobbs (Head of Infrastructure, ASB) to unpack infrastructure as an investment class and its impact on both society and economic growth. They discuss the role of public and private capital, New Zealand's $1 trillion infrastructure challenge, and global trends shaping the sector. Plus, key takeaways from the recent Infrastructure Investment Summit in Auckland. *** 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 17/03/2025. Comments made by BlackRock employees here represent BlackRock'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.

ASB has seen some stabilisation in interest rates, the primary sector and rising consumer spending. It comes as it was announced Q4 was higher than expected at 0.7%. Q1 ends today, what will the results be? ASB chief economist Nick Tuffley talks to Mike Hosking. LISTEN ABOVE. See omnystudio.com/listener for privacy information.

Host Nigel Grant is joined by David Griffith (Head of Multi Asset Solutions, BlackRock) and John Smith (Head of Asset Management, ASB) to reflect on ASB's strong portfolio performance in 2024 and share their outlook for 2025. They discuss key drivers including global equities, gold, and currency positioning, and emphasise the importance of diversification and strategic asset allocation in navigating ongoing market volatility. *** 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 17/03/2025. 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 is believed to be crawling to economic recovery. Figures —due out from Stats NZ this morning— are expected to show the economy grew between 0.3 and 0.5% in the three months to December. That would lift New Zealand out of technical recession, but further growth will be slow. ASB chief economist Nick Tuffley told Francesca Rudkin an uplift in agriculture in quarter four will have helped. He says the sector —particularly dairy— had a strong lift into Christmas. LISTEN ABOVE See omnystudio.com/listener for privacy information.

ASX 200 finished up only 6 points to 7860 (0.1%) as enthusiasm waned ahead of the Fed.US futures negative again. Banks slid with NAB and MQG under pressure, the Big Bank Basket down to $235.85 (-0.1%). REITs were solid with GMG up 1.1% and GPT up 0.9%. Industrials were mixed, ALL fell 2.8% with JBH off another 2.2% but WOW rose 1.2% with TLS quietly creeping higher. QAN jumped 2.5% with tech going nowhere. The All-Tech Index flat, XRO down 0.8%. Resources too were mixed, gold hit its 12th record this year, NEM up 2.5%. GOR fell 4.9% on production downgrades, GMD up again, 2.0% with VAU finding friends too. Lithium stocks still seeing shorts cover, LTR roared up 5.1% and PLS up 1.3%. MIN added to yesterday's gains up 1.5% with iron ore stocks down slightly. Oil and gas stocks a little better, Uranium seeing small gains, and coal dominated by good results from NHC up 8.9%. In corporate news, ASB rose 7.6% as Hanwha raided the register. Nothing on the economic front, Asian markets stronger again, Japan up 1.4%, HK up 1.8% and China up 0.2%. 10-year yields 4.39%, little changed.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.

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.

Stocks rose on Monday, building on their comeback from a four-week rout on Wall Street exacerbated by President Donald Trump's chaotic tariff policy rollout and falling consumer confidence.The S&P 500 gained 0.64% to close at 5,675.12, while the Nasdaq Composite climbed 0.31% and ended at 17,808.66. The Dow Jones Industrial Average also advanced 353.44 points, or 0.85%, to end at 41,841.63. The 30-stock index was bolstered by gains in Walmart and International Business Machines. All three of the major averages posted back-to-back gains.SPI up 53 - ASB raided by Hanwha - FOMC beckons.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.

Stats NZ says there were nearly 123,000 migrant departures in January which is the highest ever for an annual period. SBS Finance Editor finds out why, and where they are going with Mark Smith from ASB, plus a closer look at US markets with Isaac Poole Oreana Private Wealth.

If you've ever visited the International Schools Services website, you may have noticed at some stage that they added a button at the top that said “start a school”. The button has now moved to the bottom of the page, but it's still there. For us, it always felt like that line from the movies, “I wonder what happens if I press this button?” Well, Dave McMaster is a brave soul who has “pushed the button” on starting a school, not once, but three times. We think it's fair to say that Dave knows what happens! Dave has 35 years of K-12 education experience, primarily in leadership roles across 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 in September 2020. The school began with 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 (CDNIS) from 2002 to 2014. During his tenure,  CDNIS was recognized as the top international school in Hong Kong for seven consecutive years. Dave has founded three schools, with the most recent being the American School of Bahrain.Dave's authenticity as an educational leader is a recognized force that motivates students, parents, staff, and management to continually advance the status quo, ensuring excellence in educational provision and learning. He emphasizes what he calls the "smile index" as a key barometer for assessing a school's success. Dave also possesses extensive experience in recruiting and retaining top international educators, which he considers crucial to the success of founding ASB.Dave holds a Bachelor of Education from Queen's University in Kingston, Ontario. He also earned a Master of Arts in Educational Leadership from San Diego State University.Our Guiding Question was, “How does one start an international school?”Here are a few of the topics covered in this episode:Reasons why new international schools are being builtWho are some of the parties behind the new schoolsSome of the various “buckets” or categories of work that you needed to plan for and start a new international schoolSome of the headaches and some of the heartfelt moments in starting his current schoolAdvice for any person or organization thinking about starting an international schoolResources mentioned in the episode:American School of BahrainDave McMaster on LinkedInThe show was recorded on February 16, 2025.Categories: School Life | School Creation | RecruitingRemember to access our Educators Going Global website for more information or to subscribe to our newsletter!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.

Stats NZ says there were nearly 123,000 migrant departures in January which is the highest ever for an annual period. SBS Finance Editor finds out why, and where they are going with Mark Smith from ASB, plus a closer look at US markets with Isaac Poole Oreana Private Wealth.

The ASX dropped hard and bounced a little closing down 72 points at 7890 (0.9%) after touching 7818. Banks were the turnaround story with the Big Bank Basket down to $240.73 (0.2%). MQG suffered as US investment banks have sunk. Other financials were also sold down hard, GQG off 3.2% and XYZ falling 6.3% with insurers slipping lower as government warns on Alfred issues. REITs fell back to earth, DGT dropped 7.4% on a broker downgrade, as HMC fell 9.7% too, SCG off 0.9%. Industrials slipped across the board, QAN fell 8.9% with it ex-dividend too, SGH down 3.2% and CPU falling 3.6%. Retail under pressure, JBH down 2.5% and TPW sliding 3.7%. Travel stocks took their cue from Delta Airlines, CTD off 0.5% and FLT falling 3.6%. Tech was also on the nose for obvious reasons, WTC down only 1.9% after bouncing hard off the lows, XRO saw no real bounce with the All-Tech Index down 4.0%. Resources was an interesting space. BHP and RIO both rallied hard, gold miners fell hard despite bullion prices picking back up. NST fell 1.9% and NEM dropped 2.6%. Lithium stocks under pressure as usual, oil and gas stocks better, WDS up 1.2% and uranium remains under a toxic cloud. In corporate news, NIC saw a large block trade causing a drop of 19.9% combined with possible tax changes. ASB in a trading halt as it seeks $200m at 380c together with a founder partial sell down. PNV lost its CEO and more value, GYG fell 2.2% on details of recently released escrow stock. In economic news, consumer confidence rose in March. In Asia, Japan down 1.3%, HK off 0.8% and CSI China off 0.6%. 10-year yields 4.36%. 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.

As with all things lately we're looking for any little clue that the old normal is coming back. But I don't think it is. ASB lowered its house price inflation forecast for this year. Its Chief Economist Nick Tuffley reckons the pick up in sales has been sluggish and there is a lot of stock on the market. They believe prices will fall through the first half of this year, therefore, the bank has more than halved its house price growth forecast for 2025 to just 3.4% from 9%. That's more in line with inflation than for a long time. In other words, buying a house at the moment is no longer the path to automatic capital gain. Faced with that house owners are more likely to stay put. Back in the old normal, churn was the name of the game. You'd buy and sell often to climb up through the property ladder. In today's climate you're more likely to stay in any house you own because a bird in the hand is worth two in the bush. Stability and security is the now the new normal. This is more in line with overseas models, where people stay in their houses longer, accepting their limitations and building a day-to-day life you can count on. Now we've been through boom-and-bust periods before. Prices have always come back - but what if they don't this time? Is that such a bad thing? People have often said our property fixation has been at the expense of real productivity growth. What will happen next is anyone's guess. But the bank also points out another factor: immigration levels are staying stubbornly low. We're not an attractive destination and that may be because of the image we've presented of ourselves as a basket place economy. It may be that the housing crisis is over and so welcome to a stable economy. It's not a get rich quick paradise anymore, but it is still a nice place to live. See omnystudio.com/listener for privacy information.

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

ASB's Nigel Grant is joined by Victoria Harris (Co-Founder, The Curve) to break down financial fitness – what it means, why it matters and how to achieve it. They discuss tracking your spending, setting goals, and using financial wellbeing tools to build strong money habits. Plus, how investing plays a role in long-term financial success.

Tune in as Sam Orlik checks in with where the Dubs stand post ASB and projects where they will land in the West standings. SUBSCRIBE, Rate and Review on iTunes and follow @EthosWarriors for all of our Warriors coverage! Manscaped is BACK, baby! Just like the NBA! Use coupon code HOOPBALL20 to get 20% off and free shipping on your purchase at Manscaped.com! Want more codes? We got 'em! ExpressVPN is offering 3 BONUS months on every 12-month membership purchase by using this special link: https://www.expressvpn.com/hoopball

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

ASB is reporting a one percent increase in net profit, for last year's second half. Profit margins remained flat, but home lending grew five percent and business and rural lending increased two percent. CEO Vittoria Short says this is a sign the economy is turning a corner for the better after a lengthy downturn. "Inflation's back in target range, we know that the OCR or interest rates are moving downwards to more neutral levels and what we can see is that our customers, who have been doing it tough and are stressed - our actions are helping." LISTEN ABOVESee omnystudio.com/listener for privacy information.

In the first episode of 2025, host Nigel Grant is joined by podcast favourite Chris Tennent-Brown (Senior Economist, ASB) to discuss market performance in January and to give his thoughts as we look ahead to the year's first OCR announcement.

Cautious optimism from economists ahead of the latest inflation numbers. Stats NZ will deliver its latest inflation update on the year to December at 10.45 this morning. Many economists expect it to be slightly down, but ANZ predicts it will remain unchanged and BNZ is forecasting a slight rise. ASB Chief Economist Nick Tuffley told Ryan Bridge we need to still be cautious as domestic inflation remains relatively high. He says for inflation to stay around 2% the domestic rate needs to come down. LISTEN ABOVE See omnystudio.com/listener for privacy information.

ASB has cut its 18 month fixed term loan rate to 5.39% following cuts by Westpac and BNZ. All three of the banks' six-month rates are now at 5.99% as they fight to be the bank of choice for mortgages. This comes alongside rumours of a foreign buyer ban reversal - with experts saying it could work, but rules need to be more flexible. LISTEN ABOVESee omnystudio.com/listener for privacy information.

It's a very special episode to kick the new year off. The WORLD'S first Warhammer The Old World Aussie Podcast Crossover!!

An economist says the third quarter was tough in pretty much every sector, for the New Zealand economy. The major banks are all predicting between 0.2% to 0.4% contraction when Stats NZ releases the GDP data for the third quarter just before 11am today. It'll likely mean our third technical recession in two years. ASB's Chief Economist Nick Tuffley told Heather du Plessis-Allan the agriculture and forestry sector were essentially the only positive performers. He says construction, retail, and manufacturing all felt the pressure, with electricity struggles also taking place during this quarter. LISTEN ABOVE See omnystudio.com/listener for privacy information.

In the final episode of the year, Nigel Grant is joined by John Smith (Head of Asset Management, ASB) and David Griffith (Head of Multi Asset Solutions, BlackRock) for a look back on the year that was. They discuss whether global investment themes played out as predicted, canvas the outstanding performers of the year and look ahead to what investors might expect in 2025. *** 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 26/11/2024. 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.

It's a big week for economic statistics, with Treasury's Half Year Economic and Fiscal Update, or Hyefu, set to be released on Tuesday, the country's current account on Wednesday and the latest GDP figures on Thursday. ASB's chief economist Nick Tuffley spoke to Ingrid Hipkiss.

ON THE SHOW TODAY We rewrite "The Night Before Christmas" Megan has the ultimate Christmas FAIL! Can Jono and Ben win you some ASB tennis tickets? Paddy Gower is miserable over this! Dear Megan... We can't decide which family to spend Christmas with! Sassing Rhianna! We are introduced to Jono the Kiwi Facebook: The Hits Breakfast with Jono and Ben Instagram: THEHITSBREAKFASTSee omnystudio.com/listener for privacy information.

More New Zealanders are feeling positive about the housing market, according to a new survey by ASB. Senior ASB economist Kim Mundy spoke to Ingrid Hipkiss.

In episode 1780, Jack and Miles are joined by writer, comedian, and co-host of Yo, Is This Racist?, Andrew Ti, to discuss… Sexual Predation Apparently A Required Skill To Be In Trump's Cabinet, Return Of The Matt (Whitaker aka DICK TOILET), Attacking Neoliberalism's Well Earned Complexity Problem, The Reason Behind The Recent Rash Of Cheese Heists and more! Trump Pick Linda McMahon Is Facing Her Own Sex Scandal Attacking Neoliberalism's Well Earned Complexity Problem The Reason Behind The Recent Rash Of Cheese Heists Cheesemakers in shock as £300,000 of produce stolen in sophisticated scam Moscow that got the cream? 'Grate cheese robbery' mystery whirls with Russia now suspected after scammers pilfered 22 tonnes from dairy Man attempts to steal thousands of dollars in cheese from North Van Whole Foods Thieves strike in the Netherlands with heist of $22,000 — in cheese Why so many cheese heists? As B.C. cops foil another, here's why cheese is so valuable LISTEN: Talk Down (Live) by DijonSee omnystudio.com/listener for privacy information.

The ASB is soon to wind up its Positive Impact Kiwisaver fund - affecting about 5000 customers - citing global changes and declining customer demand.

Goff and ASb are on fire!

HAPPY HALLOWEEN! This week we move away from the standard Lifetime and SVU fare for a DOUBLE FEATURE Halloween special with our friend Andrew Scott Bell and Cap'n Scoot. ASB composed the score for these two campy thrillers, which Molly and Scoot recapped after interviewing him. Extra long for your enjoyment. Turns out "public domain" might be one of the scariest things out there! SUPPORT OUR SHOW AND GET EARLY EPISODES ON PATREON Links: Winnie the Pooh: Blood and Honey IMDb Winnie the Pooh: Blood and Honey 2 IMDb FAFO meme Piglet's gender Legal status of bear traps in the US Learn more about your ad choices. Visit megaphone.fm/adchoices