Podcasts about enableme

The pressure of the cost-of-living crunch has been felt by most of us for a few years now. Many of us hope that the more we earn, the less we have to worry about bills, unexpected costs and living week to week. This week though, Wellington Mayor Tory Whanau revealed she's had to sell her car - in order to help pay her bills. So if a mayor on a salary of just under $190,000 a year is finding it tough – can you really earn enough to avoid financial pressure? Today on The Front Page, we're joined by Katie Wesney, head strategic coach at EnableMe, to discuss how to survive the cost of living and why those on high salaries are struggling as well.  Follow The Front Page on iHeartRadio, Apple Podcasts, Spotify or wherever you get your podcasts. You can read more about this and other stories in the New Zealand Herald, online at nzherald.co.nz, or tune in to news bulletins across the NZME network. Host: Susie NordqvistSound Engineer: Paddy FoxProducer: Ethan SillsSee omnystudio.com/listener for privacy information.

On the show today: Cost of Living - How the heck do we navigate this mess?  Utilities Disputes boss Neil Mallon on how they can help you with extra costs that pop up EnableMe financial coach Liz Blake on working with budgets of all sizes Living wage founder Lyndy McIntyre on where to from here? What should companies and organisations be doing to look after employees? See omnystudio.com/listener for privacy information.

Dr. Michael Lorz (43) is the founding managing director of EnableMe Foundation. The foundation empowers more than one million people with disabilities annually across the world by providing enabling information, self-help peer communities & digital services.Michael is also the managing director of the Stiftung MyHandicap that focuses on digital inclusion services in Switzerland. He is passionate about societal impact in the domain of non-visible disabilities. Previously, he has inter alia been the founding managing director of the foundation at the University of St.Gallen (HSG Foundation).He is a graduate of the Ashoka Visionary Programme and completed five academic degrees at renown universities.Michael started his career in a leadership development program of an international FMCG company working in multiple locations worldwide. Today he also teaches regularly value-based fundraising at the University of St.Gallen and has a keen interest in alternative assets. He is also advisory board member of the Center for Disability Integration at the University of St.Gallen.Michael lives with his family in the wonderful city of St.Gallen (CH).Support the showFollow axschat on social mediaTwitterhttps://twitter.com/AkwyZhttps://twitter.com/axschatLinkedInhttps://www.linkedin.com/in/antoniovieirasantos/ https://www.linkedin.com/company/axschat/Vimeohttps://vimeo.com/akwyz

In this episode, we reveal the top 10 financial advisers in New Zealand – who they are, what they do, and who they are the right fit for. This includes: Hannah McQueen from EnableMe, Lisa Dudson from Acumen, Cameron Marcroft from Loan Market, April Hastilow from Become Wealth, Darcy Ungaro from Ungaro and Co and the NZ Everyday Investor Podcast John Bolton from Squirrel, Eugene Bartsaiken from Twine Financial Advisers, Rick Parry from NZ Funds, Pippa Hogg from BNZ, and Martin Hawes We also mention our upcoming How to buy your first (or next) investment property webinar, which is on Tuesday 13th of September. Click the link to register.

For the 5th anniversary of the EnableMe podcast series we're revisiting one of our most popular topics: neuroplasticity, the ability of the brain to change and the basis of recovery after stroke. To find out what's new in neuroplasticity and how to use it in your own life, we talk to medical researcher Peter Levine, author of the book Stronger After Stroke, which has helped stroke survivors worldwide. Find out more at https://recoverfromstroke.blogspot.com/ We also speak to young stroke survivor Saran Chamberlain, founder of the YESS SA network and engagement coordinator for the Stroke Foundation's Young Stroke Project, and to physiotherapist Katherine Yong from StrokeLine.

Pascal ist 26 Jahre alt und leidet seit seiner Kindheit an einer schubförmigen Krankheit. Der Auslöser ist unklar. Mein Name ist Pascal, bin 26 Jahre alt und arbeite für #EnableMe, eine Stiftung welche sich für Menschen mit einem #Handicap engagiert. Der Einsatz der Stiftung basiert auf den Stärken und Fähigkeit von Menschen nicht auf der #Behinderung. Sein größtes Handicap ist eine sehr starke Sehbeeinträchtigung, welche sich in Form eines Tunnelblick zeigt. Seine Krankheit zwang ihn schon öfters ihn die Knie, aber er ist trotzdem immer wieder aufgestanden und hat sogar durch seinen Schicksalsschlag, seine Berufung gefunden. Trigger-Gefahr: In diesem Podcast wird kurz über Suizid gesprochen Pascal arbeitete mehrere Jahre in der Suizidprävention bei U25 (https://www.u25-deutschland.de/), welche ihn schlussendlich auch zu seinem jetzigen Job bei Enable Me brachte (https://www.enableme.de/dein DE und https://www.enableme.ch in CH). Die Stiftung engagiert sich für Menschen mit einem Handicap und Pascal ist dort als Projektleiter tätig. Wenn ihr mehr über seine Geschichte erfahren möchtet und sein außergewöhnliches Engagement, dann solltet ihr auf jeden Fall in die Folge hinein hören. Wenn ihr Pascal auf Instagram verfolgen möchtet, findet ihr ihn unter @pabascal94. Wir freuen uns sehr, dass er Gast in unserem Podcast war und wünschen euch viel Spaß mit der Folge! #wirsindeinzigartich

In this episode of Nursing Australia, hosted by Suzanne Blackeby, we hear: -        The latest Nursing Australia News (01:45)Phase 1B of the COVID vaccine rollout begins, Aussie made AstraZeneca vaccines come online and flooding on the east coast affects already hard-hit communities.  -        COVID vaccines: Record, recall, report (04:04)The speed at which the COVID-19 vaccine rollout is being implemented means it's natural for nurses to be left with a few unanswered questions. But fear not, APNA's got you covered. We have been in active discussions with the Department of Health for many months now and are bringing you the information we learn via The Connect, in our COVID webinar series and on Nursing Australia. Our most recent APNA COVID Webinar covered all you need to know about recording COVID-19 vaccinations in the AIR and reporting side-effects. We discussed the information you need to provide, what this looks like in your practice software, as well as some of the broader considerations for COVID-19 vaccination reporting.We were joined by Katrina Otto and Marg Windsor. Webinar slides: https://apna.asn.au/files/DAM/1%20Education/Other%20Events/COVID%20Webinar%205%20-%20Record%20recall%20report.pdf Dept Health FAQs covid-19-vaccine-general-questions-for-vaccine-providers: https://apna.asn.au/files/DAM/1%20Education/Other%20Events/Dept%20Health%20FAQs%20covid-19-vaccine-general-questions-for-vaccine-providers.pdf APNA & Train IT Medical FAQs - COVID-19 Vaccine Technology webinar: https://apna.asn.au/files/DAM/1%20Education/Other%20Events/APNA%20%20%20Train%20IT%20Medical%20FAQs%20-%20COVID-19%20Vaccine%20Technology%20webinar.pdf Subscribe to The Connect: https://www.apna.asn.au/workflows/subscribe -        A stroke every nine minutes (01:06:49)387,000 Australians experience stroke in their lifetimes, that's a stroke every 9 minutes in our country. The first point of contact for many people experiencing signs of stroke will be in primary care. The Stroke Foundation explains what primary care nurses can do to turn these numbers around and what nurses should do when face with a patient presenting with signs of stroke.The Stroke Foundation: https://strokefoundation.org.au/ EnableMe: https://enableme.org.au/ InformMe: https://informme.org.au/ -        Nurse wellness with Sarah Cosgrave: Relaxation techniques (01:16:02)Looking after our own wellbeing is so important. Nurse Sarah Cosgrave is back to give us some ways to chill out and take some time for ourselves.The Nurtured Nurse Project: http://sarahcosgrave.com/ 

Each week the NZ Herald and Newstalk ZB's Cooking the Books podcast tackles a different money problem. Today, it's how you can future-proof your finances even if you don't have savings. Hosted by Frances Cook.The rainy day has arrived. Now is the time when a savings account can help you ride out the turbulence and give you peace of mind. The problem is that as New Zealanders we're one of the worst in the world for saving our money. Figures from the Reserve Bank show that in 2019, New Zealanders as a group saved -0.3 per cent. As in, overall, we didn't save anything. In fact, most of us have been living beyond our means, and using debt to fund it. To put it another way, figures from finder.com show 58 per cent of us have less than $500 in savings. So if this is you, then you're absolutely not alone. And while hindsight is 20/20, there's no point berating ourselves for what we should or shouldn't have done in the past. What's more important is taking control of the things we can, today. And happily, there are lots of options for getting yourself more financially stable so you can survive what life throws at you. For the latest Cooking the Books podcast I talked to Hannah McQueen from EnableMe. We discussed how much you should have in savings generally, how to stay calm and supercharge your savings, and the other options available if your situation gets worse. If you have a question about this podcast, or question you'd like answered in the next one, come and talk to me about it. I'm on Facebook here https://www.facebook.com/FrancesCookJournalist/ Instagram here https://www.instagram.com/francescooknz/ and Twitter here https://twitter.com/FrancesCook

Each week the NZ Herald and Newstalk ZB's Cooking the Books podcast tackles a different money problem. Today, it's how you can future-proof your finances even if you don't have savings. Hosted by Frances Cook.The rainy day has arrived. Now is the time when a savings account can help you ride out the turbulence and give you peace of mind. The problem is that as New Zealanders we're one of the worst in the world for saving our money. Figures from the Reserve Bank show that in 2019, New Zealanders as a group saved -0.3 per cent. As in, overall, we didn't save anything. In fact, most of us have been living beyond our means, and using debt to fund it. To put it another way, figures from finder.com show 58 per cent of us have less than $500 in savings. So if this is you, then you're absolutely not alone. And while hindsight is 20/20, there's no point berating ourselves for what we should or shouldn't have done in the past. What's more important is taking control of the things we can, today. And happily, there are lots of options for getting yourself more financially stable so you can survive what life throws at you. For the latest Cooking the Books podcast I talked to Hannah McQueen from EnableMe. We discussed how much you should have in savings generally, how to stay calm and supercharge your savings, and the other options available if your situation gets worse. If you have a question about this podcast, or question you'd like answered in the next one, come and talk to me about it. I'm on Facebook here https://www.facebook.com/FrancesCookJournalist/ Instagram here https://www.instagram.com/francescooknz/ and Twitter here https://twitter.com/FrancesCook

EnableMe director Hannah McQueen has had a number of Lotto winners, so can talk about what they usually do, what mistakes they makE and what you could do right from the beginning if you’re the lucky winner.LISTEN ABOVE

Financial advisor Elizabeth Blake from enableMe joins the show to talk all things money, including who worries more about money? It may surprise you.LISTEN TO THE WEEKEND COLLECTIVE ABOVE  

Enable Me's Hannah McQueen discusses how women can close the gender pay gap and improve their financial situation. Some of the issues:-A recent survey found that one-third of women have less than $5000 in their KiwiSaver.-According to the World Economic forum, women’s retirement funds are 30-40% smaller than men’s around the world – but women have longer retirements- Women are almost twice as likely to face poverty in retirement- The gender pay gap is 9.2%- 90% of women feel insecure about their finances- Money is the leading cause of insomnia among women- Mums get paid 17% less than Dad’s- Women’s incomes fall 20% post-divorce, while men’s tend to rise more than 30%If you want a better financial future go to Enableme.co.nz and book a consultation.

Each week the NZ Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Today, it's how to give your kids a good start with money. Hosted by Frances Cook.Family politics is hard enough without bringing money into it. But just because it's hard, doesn't mean you can put it off.For better or worse, most schools don't teach your kids about finances.Money makes the world go round, but somehow our kids are supposed to just figure it out for themselves.Never mind that roughly a third of New Zealanders don't understand compound interest, according to the Commission for Financial Capability.Compound interest is the easiest, laziest, and most reliable way to make money, yet people are missing out because they simply don't know what it is.Making sure kids learn the basics of money is a good starting point. Yet when money is a touchy subject, there are ways of having the conversation that are better than others.Then there's how you should help them out if you have some extra cash.Should you invest it? Put it into a savings account for university? Or what about a savings account for a house?Should you even do any of that, in case coddling them teaches them to blow it all, then hold their hands out for more?It's territory that gets tricky quickly, and the pressure of trying to give your kids the best start in life doesn't make it any easier.I talked to EnableMe founder Hannah McQueen for the latest episode of the Cooking the Books podcast.We talked about when to start talking about money, how to have the conversation and the best options to invest for your childrens' future.For the interview, listen to the podcast.If you have a question about this podcast or an idea for the next one, come and talk to me about it.I'm on Facebook https://www.facebook.com/FrancesCookJournalist/ Instagram https://www.instagram.com/francescooknz/Twitter  https://twitter.com/FrancesCook

With so many businesses coming up for sale as boomers retire, there will be lots of opportunity for the eagle-eyed.But what do you need to know before ploughing your savings into a business, how do you avoid overpaying, or buying a lemon?If you want a better financial future go to Enableme.co.nz and book a consultation.

With lots of baby boomers looking to retire over the next 5 years,  many small businesses will be coming up for sale.  Hannah McQueen of Enable Me looks at preparing your small business for sale. If you want a better financial future go to Enableme.co.nz and book a consultation.

Most people start married life by making vows, which traditionally include the line ‘for richer, for poorer’.Usually, that’s not something you think too much more about, because you’re young, unencumbered and the going is good.  You are both in good jobs, with good prospects. You work hard, progress quickly and enjoy the perks of earning more than ever before, by spending more than ever have before.That is until the good job is lost, or one of you hits a wall. He (let’s say) is burnt out, or at a career crossroads, so you both agree he needs some time out - just for a month or so.  But that time passes and he’s taken to unemployment like a duck to water. He has ideas of developing a business, but for now, they’re just that – ideas.  You want to be supportive but it’s scaring you, and his general lack of regard for the family finances is unsettling. You want to believe in him, but someone has to think about the practicalities. For the first time, you’re forced to confront the reality of those long-ago vows. So what do you do?This is a scenario I’ve seen play out over and over again with my clients. The face of the workplace has changed dramatically, and the only certainty is more change is coming. More people are also quitting - not because they’ve found something better, but because they want a break, or to start their own business. That sounds great, but the implications can be drastic and demand proper consideration.As the spouse of someone who is fundamentally unhappy in their job, you bear the brunt of it, so when your partner comes to you (hopefully before they quit) it can be a relief knowing there’s an end in sight! But that relief can quickly be replaced by anxiety unless there are parameters around what comes next. Here are some of the things I advise my clients who are going through this transition.Agree on a time-frame, and what progress needs to be made – be it business milestones or financial ones. Often this is a natural deadline, driven by my next recommendation – determine when your savings are going to run out.Agree how much money you’re prepared to spend. Any business requires investment, of cash and time, so you need to be on the same page about what’s at stake.Speak to a business advisor about the viability of your plan, because not all accountants know how to run businesses, and the advice or concerns of the “supporting” partner is often interpreted as a lack of faith – which is a breeding ground for resentment.Measure your progress, and be accountable for the results. That means you also need to be prepared to pull the pin if it’s not working.Changing careers or starting out on your own can be a good thing, but it can also be stressful, especially in a relationship – no matter how much you meant those vows.If you want a better financial future go to Enableme.co.nz and book a consultation.

Each week the New Zealand Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Today, it's what a capital gains tax would mean for the average person. Hosted by Frances Cook. Just the word - ‘tax’ - can be enough to strike fear into some peoples’ hearts. But go ahead and say ‘capital gains tax’, and people tend to start talking angrily about housing, whether they’re for or against. BNZ boss Anthony Healy has caused a bit of a splash by doing just that. He says there needs to be tax reform to stop the rising inequality between rich and poor. His biggest request to make things fairer? Please, bring in a capital gains tax. But for a phrase that strikes fear into the heart of some, and is a symbol of hope for others, there’s remarkably little talk about what it could actually mean for the average New Zealander. Would it destroy the family home some have worked so hard to create? Or help level the playing field for hopeful first home buyers? Maybe rein in greedy property investors? It’s time to get into some myth busting, so I called Hannah McQueen from financial coaching firm EnableMe, to figure out what a capital gains tax would actually mean for you and I. We talked about what the average home owner would notice if one was brought in, if it was the silver bullet to help first home buyers, and whether it would rein in property investors. For the interview, listen to the podcast. If you have questions about this podcast, or an idea for next time, come and talk to me online. I'm on Facebook and Twitter.

Each week the New Zealand Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Today, it's what a capital gains tax would mean for the average person. Hosted by Frances Cook. Just the word - ‘tax’ - can be enough to strike fear into some peoples’ hearts. But go ahead and say ‘capital gains tax’, and people tend to start talking angrily about housing, whether they’re for or against. BNZ boss Anthony Healy has caused a bit of a splash by doing just that. He says there needs to be tax reform to stop the rising inequality between rich and poor. His biggest request to make things fairer? Please, bring in a capital gains tax. But for a phrase that strikes fear into the heart of some, and is a symbol of hope for others, there’s remarkably little talk about what it could actually mean for the average New Zealander. Would it destroy the family home some have worked so hard to create? Or help level the playing field for hopeful first home buyers? Maybe rein in greedy property investors? It’s time to get into some myth busting, so I called Hannah McQueen from financial coaching firm EnableMe, to figure out what a capital gains tax would actually mean for you and I. We talked about what the average home owner would notice if one was brought in, if it was the silver bullet to help first home buyers, and whether it would rein in property investors. For the interview, listen to the podcast. If you have questions about this podcast, or an idea for next time, come and talk to me online. I'm on Facebook and Twitter.

OPINION: Each week, the NZ Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Hosted by Frances Cook.We're a nation with a debt problem.Many New Zealand borrowers have debt that's up to 12 times the amount they earn in a year.You can argue that a certain amount of debt is a good thing. But banking bosses warn that ideally we shouldn't have debt of more than seven times what we earn in a year.So, we're way over.It's so bad that just this month, Australia's Reserve Bank cast a worried eye over New Zealand debt levels.They declared our debt-to-income levels were so bad, it was not only a risk to the New Zealand economy, but Australia's as well.Hush, Australia. Nobody likes the bearer of bad news.To be clear, I personally don't like any debt. But not all of it is dumb.For instance, good luck paying cash for a university education. And hey, at least your student loan is interest free.Getting a mortgage so you can invest in your own home is necessary for almost everyone.But there are reasons to be cautious, as you still don't want a mortgage that's bigger than you can payoff. It's worth mentioning that the current crazy house prices are contributing to our nation's debt problem.So what exactly is the difference between a mortgage, and setting up a loan to buy a car? Is there ever a good reason to get into debt?To answer the question for the latest Cooking the Books podcast, I turned to EnableMe founder and financial personal trainer Hannah McQueen.She said there was good, neutral, and bad debt.Good debt happened when certain conditions were met; you were buying something that would increase in value, and that increase would be more than the interest you paid on the debt.Neutral debt was for something like your home, where it made sense to have the house, but you wouldn't make a profit.Bad debt was things like credit cards or car loans, particularly if you weren't paying them off.While some people might be surprised a mortgage on your own home was a neutral debt, McQueen said there were good reasons to classify it that way."The mortgage on your home is a neutral debt, the mortgage on an investment property is good debt."The mortgage on your home costs you interest, and any capital gain on that property is the win."Except if you intend to live in a property for the rest of your life, you're not really realising that win."If you borrowed more than you could comfortably afford for a house, that also left you vulnerable to interest rate changes. If you stretched yourself too far, it could turn into bad debt.But while it's all very well to know what types of debt to avoid, what about those who've already got themselves stuck in bad debt?McQueen recommends sitting down, being brutally honest about where you're at, and then making a plan about how to pay everything off."Credit cards, at the very least, they should be consolidated on to a low interest credit card."That normally means you transfer the balance to another bank, and you have six to 12 months to pay it off at a reduced interest rate."That will at least stop you haemorrhaging interest, because the interest rate on credit cards, it should be illegal."Even if you take those sorts of steps, don't forget that first key step of being brutally honest with yourself.A lot of bad debt can be accumulated by people spending more than they earn, even if they're earning a comfortable amount."That can be confronting for some people. It might mean they need to curb spending, or they might just need to do a few tweaks, or they might just need a goal and someone to help them achieve the goal."What we find in our day to day job, is that in the absence of a goal, people just spend whatever's there."So we need to address the issue of why you've got the credit card debt, so that you don't, I guess, reoffend."Student loans, at least in New Zealand, are good debt. They're interest free, and you'r...

OPINION: Each week, the NZ Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Hosted by Frances Cook.We're a nation with a debt problem.Many New Zealand borrowers have debt that's up to 12 times the amount they earn in a year.You can argue that a certain amount of debt is a good thing. But banking bosses warn that ideally we shouldn't have debt of more than seven times what we earn in a year.So, we're way over.It's so bad that just this month, Australia's Reserve Bank cast a worried eye over New Zealand debt levels.They declared our debt-to-income levels were so bad, it was not only a risk to the New Zealand economy, but Australia's as well.Hush, Australia. Nobody likes the bearer of bad news.To be clear, I personally don't like any debt. But not all of it is dumb.For instance, good luck paying cash for a university education. And hey, at least your student loan is interest free.Getting a mortgage so you can invest in your own home is necessary for almost everyone.But there are reasons to be cautious, as you still don't want a mortgage that's bigger than you can payoff. It's worth mentioning that the current crazy house prices are contributing to our nation's debt problem.So what exactly is the difference between a mortgage, and setting up a loan to buy a car? Is there ever a good reason to get into debt?To answer the question for the latest Cooking the Books podcast, I turned to EnableMe founder and financial personal trainer Hannah McQueen.She said there was good, neutral, and bad debt.Good debt happened when certain conditions were met; you were buying something that would increase in value, and that increase would be more than the interest you paid on the debt.Neutral debt was for something like your home, where it made sense to have the house, but you wouldn't make a profit.Bad debt was things like credit cards or car loans, particularly if you weren't paying them off.While some people might be surprised a mortgage on your own home was a neutral debt, McQueen said there were good reasons to classify it that way."The mortgage on your home is a neutral debt, the mortgage on an investment property is good debt."The mortgage on your home costs you interest, and any capital gain on that property is the win."Except if you intend to live in a property for the rest of your life, you're not really realising that win."If you borrowed more than you could comfortably afford for a house, that also left you vulnerable to interest rate changes. If you stretched yourself too far, it could turn into bad debt.But while it's all very well to know what types of debt to avoid, what about those who've already got themselves stuck in bad debt?McQueen recommends sitting down, being brutally honest about where you're at, and then making a plan about how to pay everything off."Credit cards, at the very least, they should be consolidated on to a low interest credit card."That normally means you transfer the balance to another bank, and you have six to 12 months to pay it off at a reduced interest rate."That will at least stop you haemorrhaging interest, because the interest rate on credit cards, it should be illegal."Even if you take those sorts of steps, don't forget that first key step of being brutally honest with yourself.A lot of bad debt can be accumulated by people spending more than they earn, even if they're earning a comfortable amount."That can be confronting for some people. It might mean they need to curb spending, or they might just need to do a few tweaks, or they might just need a goal and someone to help them achieve the goal."What we find in our day to day job, is that in the absence of a goal, people just spend whatever's there."So we need to address the issue of why you've got the credit card debt, so that you don't, I guess, reoffend."Student loans, at least in New Zealand, are good debt. They're interest free, and you'r...