Podcasts about kiwis

The Opportunities Party wants a chunk of your land value every single year. We look at what TOP's proposed tax means for everyday homeowners and farmers facing bills up to $1,000 a week. Duncan breaks down the numbers with Maurice and Ani, questioning how Kiwis are supposed to afford it and what this means for the upcoming election Learn more about your ad choices. Visit megaphone.fm/adchoices

We thought 10,000 kids were leaving school every year without a basic qualification. The real figure is over 13,000. That is almost one in five young Kiwis walking out the gates with nothing to show for over a decade in class. Duncan breaks down the Ministry's math tricks, hidden numbers, and why our education system is failing on a massive scale. Learn more about your ad choices. Visit megaphone.fm/adchoices

Formula 1 is back and its popularity among Kiwis is continuing to grow. After a mini break, the final Dutch Grand Prix is kicking off this weekend at Zandvoort, with Liam Lawson back in the seat for Red Bulls. But a little later in the year, F1 is coming to New Zealand's shores – in a sense. Former F1 World Champion Damon Hill and long-time commentator and host of the official F1 podcast Tom Clarkson are visiting Australia and New Zealand for a speaking tour. Clarkson has presented F1: Beyond The Grid since its inception in 2018 —437 episodes— and has personally reported or commentated on over 500 Grands Prix. He joined Mike Hosking to discuss the current season of Formula 1 and touch on what you can expect from the live show. LISTEN ABOVE See omnystudio.com/listener for privacy information.

$106 million spent on consultants for a harbour crossing, and we still do not know if it is a bridge or a tunnel. Another $229 million on light rail with zero track laid. Duncan is fed up with billions going out the door to private contractors while everyday Kiwis tighten their belts. Plus, former Defence Minister Ron Mark steps in on fighting in Ukraine and why he wants back into Parliament. Learn more about your ad choices. Visit megaphone.fm/adchoices

I couldn't understand it at the time, but you may remember four years ago then-Prime Minister Ardern did a deal with Anthony Albanese over our access to Australian citizenship and welfare. Essentially, they gave us a bunch of stuff we previously hadn't had. We get to wander in any way and time we like, a deal no other country offers, but access to welfare and citizenship was always tricky. Albanese decided to soften the approach. Fast forward four years and Ardern is on the beaches of New South Wales and Albanese is still in power, but being overwhelmed by Pauline Hanson, who has made immigration a calling card. New reportage out of Australia yesterday now tells us officials warned Albanese at the time that the move he was about to make was a mistake. It was making it too easy for Kiwis to game the system. For whatever reason he ignored them. Now it's coming home to roost. The intake of Kiwis surged 38,000 in two years. As New Zealand went into recession, ironically because of the Ardern Government, more people left and it's only this year that flood has started to dissipate. In the meantime, Albanese has an immigration nightmare on his hands and increasingly we're being called out. Hanson wants to limit our access and, given current polling, may well one day get her way. But perhaps the interesting aspect of the welfare side of the deal is it gives us an insight into just what sort of New Zealander went to Australia. For all the talk of brain drains, which has driven no small amount of angst here, the numbers would seem to indicate it was more your welfare recipient, or potential recipient, who bailed from New Zealand for a better deal in Australia. Can I suggest that if that is the case, then are we a lot worse off for their departure? If the low hanging job fruit here decided to scarper for the welfare and beer of Queensland, how was it we actually lost out? We may have had a net gain, not to be too mean to those who left. But the stereotype of highly educated, highly skilled folks in demand might not have been the complete picture. A small irony being Ardern managed to mess this country up while also, as it turns out, mucking up theirs as well. That's quite the trick, isn't it? Either way given immigration is now the hottest of issues, don't be surprised if Albanese pulls the pin on us and cancels the deal. See omnystudio.com/listener for privacy information.

Elections always come down to one simple test: are you better off than you were three years ago? We crunched the numbers across 20 key economic indicators to strip away the political spin. With prices up 17 percent and wages lagging, most Kiwis are feeling the pinch. Economist Ed McKnight joins us to break down who is actually winning and who is losing. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Warriors are flying, but a fresh halves crisis has thrown a spanner in the works. This week on The Big League Podcast, Nathan Limm and Nick Bewley break down the Warriors' commanding win over the Broncos, assess the impact of losing Luke Metcalf, and debate the best way forward. Former Warriors and Kiwis half Motu Tony also joins the show, offering expert insight into the playmaking options available and who should be trusted to steer the team around the park. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Kiwis are constantly wondering why their groceries are so expensive. The Green Party is the latest to promise a fix in the way of a members bill aimed at banning price gouging by the supermarket duopoly, which has a whopping 82% market share. New rules would aim to prohibit supermarkets from charging prices that are excessive when compared to the cost of supplying groceries. Breaches could see a company fined up to $10 million or 10% of turnover. But, what constitutes “excessive”? And how would it be policed? Today on The Front Page, Green Party co-leader Chlöe Swarbrick is with us to tell us how it would work. 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: Chelsea DanielsEditor/Producer: Richard MartinProducer: Jane YeeSee omnystudio.com/listener for privacy information.

Former Kiwis Captain Hugh McGahan joins the show to review the 24th round of NRL action, The Roosters getting a huge victory over Penrith, The Wahs steamrolling the Broncos at the cost of Metcalf's hamstring, Dolphins dominating the Sea Eagles, and more!! Learn more about your ad choices. Visit megaphone.fm/adchoices

Whether it's Woolworths' "Ooshies" or New World's Smeg knife promotion, many Kiwis are keeping these sought after items close. But down in the South Island there's one man who's built up a massive collection of his own and he's looking to the public to help him part ways with it. Producer Johnny Sutherland spoke to Melissa Chan-Green.

C'est peut-être un détail pour vous… mais pour moi, ça veut dire beaucoup.Un nouveau rendez-vous de La Cohorte où l'on revient sur des phrases entendues dans les interviews du podcast. Des phrases qu'on aurait tort de laisser filer car elles révèlent beaucoup sur la manière de construire son business freelance!Aujourd'hui, je me replonge dans l'interview de Lucas, spécialiste Notion, qui nous a expliqué comment il gamifie son quotidien d'entrepreneur.Je reviens sur trois passages qui méritent qu'on s'y arrête :– quand Lucas décrit comment il s'envoie des notifications automatisées complètement loufoques dans Notion, pour transformer les tâches qui le saoulaient en petits moments de joie,– quand il explique pourquoi il préfère se fixer des objectifs mensuels réalistes — qu'il appelle des "quêtes" — plutôt qu'ambitieux à tout prix, et comment ça le maintient motivé mois après mois,– et quand il raconte comment il mesure non seulement ses résultats business, mais aussi son bien-être, avec ce qu'il appelle ses "kiwis" : des Key Wellbeing Indicators.Trois détails qui rappellent une chose simple : en solo, personne ne passe vérifier si tu vas bien au boulot.Pas de manager, pas de RH. C'est à toi de jouer ce rôle.Et toi, mon brin de romarin : est-ce tu te te marres suffisamment au boulot?(Pour me répondre, envoie-moi un mp sur Linkedin

The first day of eventing dressage is in the books at Aachen and we have our first World Championship scores on the board. Nicole catches up with European Champion and Olympic medallist Tina Cook after a full day watching from the stands. They break down the tests that caught their eye, a strong start for the Kiwis and what we might see when some of the biggest names in the field head down the centre line on Friday. We also hear the story behind Gemma Stevens and Flash Cooley from his owner Pru Dawes. Twenty years after watching the 2006 Aachen World Championships on repeat as an 11-year-old, Pru is back with her own horse representing Great Britain. She talks about the journey that brought them here, her friendship with Gemma and what it means to see a horse she has loved since he was four on this stage. Plus, Annie heads into the mix zone for immediate post-test reaction from riders including Sophia Hill, Phillip Dutton, Sam Lissington, Ian Cassells and Jessica Phoenix, before joining Nicole to look ahead to a huge Friday of dressage. With JL Dublin setting the early standard and fischerChipmunk, London 52 and Lordships Graffalo still to come, just how low could those scores go? Highlights • Tina Cook's take on day one of dressage • A strong opening day for New Zealand • The tests and horses that caught the eye • Pru Dawes on the story behind Flash Cooley • Rider reaction straight from the mix zone • The new championship dressage test and the challenges it created • How low could the scores go on Friday? • fischerChipmunk, London 52 and Lordships Graffalo still to come The Aachen Diaries are powered by brands that know what it takes to keep horses feeling, looking and performing at their best. FLAIR Equine Nasal Strips Developed by veterinarians and backed by research, FLAIR Strips support the nasal passages to help horses breathe easier during exercise. Discover FLAIR Foran Equine Scientifically formulated supplements designed to support equine health, performance and recovery, produced to pharmaceutical-grade standards in Ireland. Explore Foran Equine Carr & Day & Martin Caring for horses since 1765, Carr & Day & Martin combines centuries of experience with trusted products across coat, hoof, leather and horse care. Explore Carr & Day & Martin Connolly's RED MILLS More than 100 years of equine nutrition expertise, with feeds developed to support horses from everyday riding to the very highest levels of performance. Explore RED MILLS Horseware Ireland Born in Ireland and built around making life better for horses and riders, Horseware has been pushing equestrian innovation forward for more than 40 years. Explore Horseware Ireland Support the brands supporting the show and follow the Aachen Diaries all week for stories, insight and everything happening from the heart of the World Championships.

Ready for an argument? League Lists is a new interactive Podcast Series where you nominate the list ... and I share my thoughts. This weeks list, Best Kiwis!

The appetite for New Zealand's golden visa continues to grow. Since the rules were relaxed last April, $4.845 billion has either been committed or added to the investment pipeline – from more than 700 applications. InvestNZ is also changing tack – refining its overseas roadshow to create a more targeted approach. CEO Robert Wall told Mike Hosking the Active Investor Plus programme is simply about getting investment into growing Kiwi businesses to the benefit of Kiwis. He says their focus is on getting the best out of those applicants, and making sure their investments are going into productive parts of New Zealand. LISTEN ABOVE See omnystudio.com/listener for privacy information.

We speak with a senior analyst for animal protein at RaboResearch to talk beef mince. And there’s no mincing words about it: the long-held affordable red meat staple is now out of reach for many Kiwis as consumers look to alternative sources of protein, such as chicken and pork. But beef mince at $24/kg is not all bad news for the economy.See omnystudio.com/listener for privacy information.

New Zealand's elite snow sports scene is being recognised, with it set to host superstar Shaun White's latest competition. The Snow League is in its second season, and this year will see the introduction of the World Challenge – a first of its kind event hosted at Cardrona in the South Island. The event is made up of four teams of athletes from around the world —North America, Europe, Asia-Pacific, and Challengers— and features a couple of Kiwis. Kiwi freeskier Fin Melville Ives is returning after an injury, hitting the slopes as a member of Team Challengers, and told Mike Hosking he's both excited and nervous, as it's set to be a crazy and intense event. He says the event managers plan on making it a regular stop on the tour, which is exciting, and will give us an opportunity to showcase the crazy level of talent coming from New Zealand. LISTEN ABOVE See omnystudio.com/listener for privacy information.

A group of New Zealand bus drivers working in Sydney have been left living in sub-standard housing, struggling to meet the costs of living, and unable to return home unless they stump up thousands of dollars. That's according to the New South Wales transport union - the RTBU. 

A 25-year-old and a 65-year-old shouldn't buy the same property. But some Kiwis never change their strategy as they get older. So what should you actually be buying at each stage of life?In this episode, Ed and Andrew walk through the right property play for every decade, from your 20s to your 70s.You'll learn:Why your age and time horizon should shape what you buyThe shift from chasing growth to chasing cashflow, and when to make itThe decade where lifestyle creep quietly costs you the mostThese are guides, not rules ... but knowing your stage could change your very next purchase.Book a meeting⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

More Kiwis than ever are in debt to the IRD, and one expert has a theory about why it's gotten so bad. As of March this year, more than half-a-million people had debt to Inland Revenue, and overall tax debt sat at $9.4 billion, of which Inland Revenue said 62 percent, or $5.9 billion, was collectable. Chartered Accountants Australia New Zealand lead, John Cuthbertson, says there's been a significant build-up of debt, largely as a result of the Covid-19 pandemic. "As debt ages, it becomes harder to collect - and we know that about 43 percent of it is over 2 years old. So once you get into that territory, it gets harder and harder to collect." LISTEN ABOVESee omnystudio.com/listener for privacy information.

00.00: Intro 01.50: China's KFC Oreo 05.45: Top 6 - Signs your laywers are about to quit 09.15: Perfect number of bridemaids 15.40: SLP - Do you talk to your colleagues about pay? 21.35: Vaughan's Wahs experience 27.20: PSA - KMart dupe 32.15: Hayley chatted to a listener 39.20: Are you fighting with your neighbour? 50.10: Hayley's question for the Swifties 54.50: 2 in 5 Kiwis have cheated 1.00.00: Fact of the day 1.04.20: What weird habit did you notice on a date? 1.15.14: Intervention 1.19.00: When did you forget about food? 1.27.10: The new colonoscopy trend... See omnystudio.com/listener for privacy information.

Know your rights - or you could be one of those New Zealanders who collectively lose tens of millions by refusing to complainIt's estimated $55 million goes down the drain every year as Kiwis fail to ask for their money back when things go wrongFind The Detail on Newsroom or RNZ Go to this episode on rnz.co.nz for more details

An economist [I used to respect] was recently asked, why is debt getting more expensive?His response?"this is what happens when your economy is starting to show some growth and the risk for inflationary pressures shift upward."It's almost like our economists care too much about getting a job at the RBNZ than they do speaking the truth. Read more.Meanwhile, just over half of all Kiwis, feel unprepared for retirement (and that includes debt-free homeowners who thought they'd done everything right.) Something has to be done to fix this, but is asking the government to make more rules around KiwiSaver really the right answer? Ben Davin and Mark White-Robinson join me to discuss. If you'd like to sign up to Feijoa, enter in the NZINVESTOR code at checkout for a discount.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.Affiliate Links!The Bitcoin Adviser: Plan for intergenerational digital wealth.Hatch: For US markets.Revolut: For a new type of banking.Sharesies: For local, and international markets.Loan My Coins: Bitcoin lending product.Exodus: Get rewards on your first $2,500 of swapsGet Social:Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.www.radicalinvestment.co.nz________________________Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

The Cost of Living Crisis has driven a lot of Kiwis to look for financial advice, and many turn to AI over a financial advisor. But is AI really that reliable as a source of financial advice? And investing in AI seems to be the thing to do at the moment, is it somethng you should be getting in to or watching with caution? Money Coach Amanda Morrall joins Tim Beveridge on Smart Money to discuss. LISTEN ABOVESee omnystudio.com/listener for privacy information.

When Oliver was 23, earning about $60k, he bought a $728,000 first home in Tauranga ... on his own. The catch? The mortgage, rates and insurance nearly ate his whole salary. So, can you really invest in property on one income?In this episode, Ed and Andrew share real Kiwi case studies of solo buyers and exactly what it takes to make it work.You'll learn:How much income do you actually need to buy on your ownWhy the deposit, not the mortgage, is the real hurdleThe risks of going solo, and how to stack the deck in your favourAbout 40% of Kiwis aren't in a relationship ... and plenty of them are still buying. Here's how they do it.Book a meeting⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

From the outside, he had it all: a clifftop Mission Bay mansion, sports cars, cocktails in the spa. Then his company collapsed ... and it turned out the house was rented and he owned almost nothing.So how do people earn so much, yet end up with so little?In this episode, Ed and Andrew unpack the high-income illusion. You'll learn:Why income and wealth are two completely different thingsThe 3 traps high earners fall intoA simple formula to check if your net worth is where it should beA big salary can just fund a fancier version of broke. Knowing the difference is what actually makes you rich.Book a meeting⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

The future isn't as bleak as you think.Sam Stubbs explains why he believes New Zealand is on the verge of one of its greatest economic opportunities, exploring the future of KiwiSaver, entrepreneurship, capital investment, infrastructure, productivity, wealth creation, and why the next generation of Kiwis could be better positioned than ever before.Next steps:Learn more about InfraKiwi and its vision to help build New Zealand's future. Explore Simplicity's approach to KiwiSaver, investing and long-term wealth creation. Looking for personalised financial advice? Learn how the Lighthouse team can help you build your own financial future. For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Luke Metcalf has been summoned from the selection wilderness into the Warriors ahead of tonight's match against NRL league leaders Penrith. He'll start at halfback in what will be his first game since round five, after incumbent Te Maire Martin was ruled out with a hamstring strain. Metcalf has played two NRL games this season, both in the five-eighth role and both in defeats. Former Kiwis captain Richie Barnett told Mike Hosking it's unknown at the moment what impact the late change will have. “Is it an opportunity or a challenge for the side? We'll find out tonight.” LISTEN ABOVE See omnystudio.com/listener for privacy information.

The ABC’s managing director Hugh Marks has told Gina Rinehart the broadcaster is sorry for a skit aired in the Race Around The World program on July 12. Plus, experts say Australia should be urgently vaccinating birds and other animals against the H5N1 bird flu, and Geelong’s secret concussion deal with player. Read more: ABC apologises for airing ‘disgusting’ Gina Rinehart video on Race Around the World Our bird flu vaccinations are grounded while Kiwis fly AFL club Geelong strikes secret deal to make player liable for future brain injuriesSee omnystudio.com/listener for privacy information.

Why are we importing 111,000 foreign workers when thousands of New Zealanders cannot find a job? Unemployment has hit an 11-year high at 5.6%, youth unemployment is nearing 14%, and real wages are falling. Yet the government continues issuing tens of thousands of work visas to overseas workers. We ask why Christopher Luxon and the government are letting Kiwis miss out in their own country. Learn more about your ad choices. Visit megaphone.fm/adchoices

How can content marketing in a tight niche build the audience that launches your book? And how do you decide whether to hand your self-published bestseller to a traditional publisher. Suzanne Smith shares what she learned in four years of going from blog to book deal. In the intro, how to stand out as a writer in the age of AI [Nathan Barry Show; Interview with Nathan Barry]; thoughts on asset maintenance; Goodreads giveaway on Bones of the Deep (Aug 5-20, 2026) This episode is sponsored by Publisher Rocket, which will help you get your book in front of more Amazon readers so you can spend less time marketing and more time writing. I use Publisher Rocket for researching book titles, categories, and keywords — for new books and for updating my backlist. Check it out at www.PublisherRocket.com This show is also supported by my Patrons. Join my Community at Patreon.com/thecreativepenn Suzanne Smith is the founder of The Independent Landlord, and the bestselling author of The Good Landlord Handbook. You can listen above or on your favorite podcast app or read the notes and links below. Here are the highlights and the full transcript is below. Show Notes How a free blog in a tight niche built the audience for the book Rewriting the book from scratch when the law changed Why speed made self-publishing the only option Building a paid membership after one audience member asked for it Negotiating a Penguin Random House deal with no agent Using AI as a business sidekick, with a control room and an engine room You can find Suzanne at TheIndependentLandlord.com. Transcript of the interview with Suzanne Smith Jo: Suzanne Smith is the founder of The Independent Landlord, and the bestselling author of The Good Landlord Handbook. So welcome to the show, Suzanne. Suzanne: Thank you. Jo: Oh, there's so much to talk about today. But first up— Tell us a bit more about you and your background, and how you got into property and writing after a legal career. Suzanne: Well, I've always loved reading books. In fact, I recently did a French literature degree as a mature student. Being an author was never in the game plan at all. It's not something that I even thought about. I was brought up in New Zealand, so shout out to all the Kiwis and those across the pond in Australia. The thing about it is, Jo, you've lived there yourself. Kiwis are independent, self-reliant and have this great sense of fair play. So that was a very formative experience for me. We moved back to England when I was 16, and I have become thoroughly anglicised since then, but a Kiwi at heart. I always wanted to become a lawyer. New Zealand in some ways on television is quite American, and there was this American programme called The Paper Chase. It was about all of these students at Harvard studying law, and the professor said, “You come here with a skull full of mush and you leave thinking like a lawyer.” I thought, “Oh, I like the sound of that.” I didn't really know what a lawyer was, but everyone seemed to be very happy that I wanted to become one, and then that was it. Jo: So you went into law, and then how did you get into property? Suzanne: So I worked for 25 years as a solicitor. That's like an attorney if you're American. Started off in a law firm, and then I went into pharmaceuticals and I worked for big companies like what is now GSK, GlaxoSmithKline, and small companies as well. When I started out, it was before the internet, before Google. When you're in house, you're very much a generalist. You do a bit of everything. So you help companies grow their business. You're not business prevention, but you're still bound by the code of conduct for solicitors. You've got this role of keeping the company on the right side of the law. Then I had twins, who were born about five years after I became a lawyer, and I decided to work part-time for a while and did an MBA when they were little, part-time through the Open University. I know Jonathan is doing one at the moment. Jo: Yes. He's finished, so that's exciting. Suzanne: That was transformational for me, because I had probably been thinking a bit too much as a lawyer, and it helped me to broaden my view of the world and understand all sorts of things. Sso I continued going up the greasy pole, and then for my last job, in 2015, I joined a biotech company in Cambridge, England, as general counsel and company secretary. It was a long way from home, about two, three hours' drive from home. So I decided to buy a flat, an apartment, and to stay there in the week. I thought to myself, “Well, when I leave this company, I can let it out as a buy-to-let,” but actually as a landlord. So I stayed there for five years, and then when I left, I let out the property. The reason why I decided to leave law after 25 years, I had what I call a sliding doors moment, like in the film. I was 50. I was on holiday with my husband, and we'd probably had one too many rum cocktails. And he said to me, “Well, what do you want to be doing with your life? What would you do if you could do anything?” I was thinking, “Well, I've done law. I want to do something else now.” I didn't really know what that was, and I'd always been thinking about studying French properly, and that's when I left. So I decided, 18 months later, I left to do a French degree at King's College London, full-time. I was the only old person there with lots of 18-year-olds. When I did that, I was able to cash in my share options because I was a good leaver. I retired, and so I started buying properties to let out and became a landlord, without really thinking too much about it, and I used letting agents. They were fine to begin with, but I didn't really have a game plan or anything like that. What I realised is that when I tried to research things online, I couldn't really find anything that was terribly helpful. It was either quite general or it was very legal. So after a while… I became a landlord in 2019. I had the idea, why don't I set up a blog? And this is August 2022, so just four years ago. My husband came up with the idea of the name, The Independent Landlord, because it's that Kiwi spirit, being very independent. I thought, “Right, I'm not going to charge anyone for it. It's a hobby. It's not a business. I'm going to pay it forward and help, use my legal training, practical legal approach, and practical common sense, by doing this blog.” Almost exactly four years ago, I sent my first newsletter to 13 people. Jo: Woo-hoo. Suzanne: And I sent one last week to over 18,000. So it's been quite a journey. Jo: Wow, this is so great. I love this. There's so much in there. The turning 50 and then doing a degree. My master's in death is a little different to your French literature, but I like it. So I love this, and buying properties, starting it on the side, not a business at first, and growing the audience, and obviously you've put so much work in. Then you decide to write a book. So talk about that, because an online blog, although I'm sure your articles and everything were super useful, it's very different to write a blog than a book. So talk about your challenges in writing. Why did you decide to do a book in the first place? Suzanne: Again, I was an accidental landlord, is what they call it when you let a property when you didn't intend to buy it as a buy-to-let, which I did with my Cambridge flat. And I became, in many respects, an accidental author. So I was having a conversation with my husband again and I was saying I'd done this lead magnet to get people to sign up to my newsletter, and a big new law was going through Parliament at the time, called the Renters Reform Bill, that was going to completely transform the way landlords operate. I was saying to my husband, “Oh, I need to update my lead magnet, a little ebook, to explain the new law.” He looked at me and said, “Well, why don't you do a proper book? Write a book.” This was on the 29th of September, 2023. The reason why I mention that is that I thought, “Wow, what a great idea,” and my head was bursting. I went onto Google, and guess what I downloaded on the 1st of October? Jo: My blueprint? Suzanne: Exactly. I found you immediately, the Author Blueprint, and I downloaded it. I checked: on the 1st of October, 2023. Then I listened to almost… well, I think I went back several years on your podcast, just trying to understand. I'm like that. When I try and do something, I just try and learn everything that there is to know about it. So I started writing the book, and I guess the first challenge was I write quickly, and I'm used to writing for people who aren't lawyers, being in-house. So I thought I needed to have a structure. The structure was easy in many respects because, a bit of business at the end, and then you can go through a tenancy. I thought it was important to have a narrative thread all the way through it, just to bring it together. This is the literature degree coming in here. I thought that the mission for everything I do, the reason why I started doing this, is to help landlords, but also to help the experience of renting that people have in England. It's very specific for English law. And to help improve the private rented sector. So that's why I originally set up my blog for free, and I wanted, when people went onto Google, they could find something sensible and very detailed from me. My blog posts were… Well, I've now got over 400,000 words on my blog, so it's a substantial piece of work that is out there free of charge. So what I decided to do was to bring this narrative thread, I call it the good landlord ethos, to the book. Then I wrote very quickly, and I had a pretty good draft by April 2024, because we were all thinking that the law was going to change very soon. But then there was an election, and in the end the government changed and the legislation changed completely, so I had to rewrite the book and start again. So I think that my biggest challenge was that my subject matter, the new law, changed. Because I wanted to publish this book that explained to people practically what they have to do, and make it really straightforward, keeping out of politics, because it is a very politically charged area. I wanted to write it so it's a manual, somebody could literally follow it. So I used an editor, and I did write the book twice. I had a beta reader who is another lawyer, and a landlord as well. Then I got to the get-the-damn-thing-done stage. The really tedious bit of all the typos at the end. Jo: Yes, the finishing energy to get it out there. So at that point, obviously you'd found my blueprint, so you were learning about the indie way of doing things. Did you always decide to self-publish? How did you think about publishing? What were your challenges in publishing? Suzanne: It never occurred to me not to self-publish, because the new law came into effect on the 1st of May, 2026. The law and the details that I needed for the book were finalised in January, and I published on Amazon on the 5th of March, so I had to go so quickly. Even though I'd got a lot of it written, the last bit came in January, and so I needed speed. I knew that for landlords to be able to have something that they can use straightaway to help get them ready for it, and then use as a manual afterwards, I had to be first. Jo: Sorry, just on the year. Was it '24? You said '26. You meant May— Suzanne: 2024? No, no, because I actually published it this year. What happened in 2024, I had the first draft ready, but then I had to do another draft because the law changed when the Labour government came in. Jo: Right. Suzanne: The Renters Reform Bill turned into the Renters' Rights Bill. So I had to rewrite the book. So I finished however many drafts at the end of January 2026. Then it went to an editor, et cetera, et cetera, and I managed to get the book ready for a proof, to get the proof printed, towards the end of February. So it was really quick to go from the law being sufficiently finalised for me to write a book in January, and then having it ready in just over a month. There is no way that I could have done that if I'd gone to a traditional publisher. It didn't even occur to me to go, because I didn't want to be going touting around my book and, “Please publish me,” et cetera. It's just not me. I'm the independent landlord, and that moved very easily to being the independent publisher. So I learnt how to do all the publishing. And a huge thanks: I joined your Patreon and I was a very good student. I went through everything systematically and followed your playbook, and used Vellum and BookFunnel and all the other tools. So I decided to go on Amazon as well as have my own Shopify store, which just about killed me. Jo: I was going to say, you are an excellent student. You really like learning, but you also put this into practice, which is why I also wanted to talk to you. You haven't just talked about all this. You've literally done everything. Suzanne: Sometimes it was like my head was going to burst. Luckily, Claude upped his game earlier this year when we got the Opus 4.5. I didn't use AI really until this year. I decided I need to do exercise all the time, and have that as a have-to-do, because my head was spinning all the time with all these different things. So I would go to the gym, go to a spin class, and then I would walk out with my phone on, with the Claude app, and dictate a stream of consciousness into it. “Oh, I need to do this, or what about that? Oh, I just remembered about this. Oh, I've had this idea, blah.” And then said, “Make sense of it for me, Claude.” So it was very much as a thinking partner, because when you're writing your first book, it's bad enough, but when you're learning how to publish… Even, like, when I got the first proof of the book back from BookVault, I realised that all the footnotes—I have 114 footnotes in my book, and that, again, is the recent degree there—and the formatting had gone skew-whiff. Apparently it was an issue with Vellum, and they were really lovely and they sorted it straight out for me. So it shows: always get a proof of the book. They were able to sort that out very quickly, and BookVault were very quick in getting me another proof, because you can shortcut it and just pay to get a very quick delivery. Amazon, on the other hand, was really slow. It took a week. So I actually published earlier on my Shopify store for my members, of my membership, and I gave them a discount. Then I finally got it onto Amazon on the 5th of March. There are all these different skills you're having to learn. The Shopify store I found very hard, and there was all the tax, because I'm VAT registered. So I think I'm still recovering. Jo: You're still recovering. I wouldn't normally recommend a Shopify store for someone with their first book, doing first of everything. But, as you say, you're someone who learns a lot, puts it into practice, and— I think you were pretty determined to do that because you had a community as well, right? Suzanne: Exactly, yes. The big subscriber list. I think that's why the book did so well. So in the first week, because I met you at the Indie Author Lab put on by— Jo: Yes, London Book Fair, yes. Suzanne: Yes, the Alliance of Independent Authors. I met you there, and it was just my first week, and I had 1,000 sales in the first week. That was because of my audience. I'd been going on about the fact that I'm writing this book for two and a half years, because that's how long it took me to do. So I had a wait list for it, and I had a thing on my website, a landing page on my website, saying how good the book was and why it's the best thing for the Renters' Rights Act. Then I went onto Google, and I think I sent you a screenshot of this at the time. I put into Google, “What's the best book for the Renters' Rights Act for landlords in England?” And it came up with me as a featured snippet, and I hadn't even published it at that time. It was just about there. So the blog really helped, because I'd become an authority on the Renters' Rights Act. Even though I'm not a practising solicitor any more, I spent all my time reading the damn thing, and it is a very complicated bit of legislation. Funnily enough, I have ruffled a lot of feathers. People have even said about me behind my back, “What does she know? She's only got four properties.” But I just took no notice. I thought, “I'm going to try and use my legal brain and my understanding of what it's like being a landlord, there with the rubber gloves cleaning an oven when people have moved out, and try and write something that's not trying to sell anything else, and to help people.” And then it got picked up. Jo: Yes. Wait, let's just slow down. Slow down, because we will get onto that in a minute. But let's just come back to that launch. So as we talked about, you've had a blog for five years— Suzanne: It was three and a half by then. Jo: Three and a half years you've been blogging, but hundreds of thousands of words of useful information. So you've essentially done content marketing. You've attracted people. You had a lead magnet. You got them on your email list. You told them that you were writing a book. You got a sort of pre-sales list up. So that's an email list. You've got a blog. Did you do anything else in terms of marketing? Suzanne: I had YouTube, a big YouTube channel. I'd only set it up at the end of 2024, and I'd had half a million views. And again, just very straightforward advice, and without all the scaremongering and politics. I deliberately keep out of it all. A lot of people joined my newsletter as a result of that. Also a year ago, exactly today, I was running a Facebook group, which was a lot of hard work. There were a few thousand people in it, but there are often a lot of people going in there trying to sell things: insurance, eviction specialists and things. And there was also a lot of people just being unpleasant to other people. I was getting fed up with it. It was taking me a lot of time, and I was doing a lot of speaking events and trying to explain what this new law was doing, and wearing myself out. I'm an extrovert, but even I find speaking events absolutely exhausting, because it's like everything gets sucked out of you. It's strange. Then somebody came up to me in July last year and said, “Suzanne, can you set up a membership?” I said, “Well, landlords aren't going to pay for that.” And they said, “Yes, they will. You build it and they will come.” I asked ChatGPT and thought about it. I asked ChatGPT, who I was dating at the time, now exclusively with Claude, but I know Claude has other people in his life. But I'm very much set with Claude Fable at the moment. So I asked ChatGPT, how can I go about setting up a membership? And I mentioned your one and said, “Should I do it on Patreon?” And then he came back with: go for Circle. So I set up a membership on Circle, exactly a year ago. In fact, it's the anniversary of my first member yesterday. hTe rules I had were, no selling. So I don't sell, no affiliate links, no one else can sell anything, and we have to be supportive. No negativity, no politics. So what it's become, it's like the senior common room of the private rented sector, with landlords, lawyers, letting agents. There's a fantastic forum in there. It's not me doing it, it's peer-to-peer. I have twice-monthly live streams where people can ask me questions. I wonder where I got that from. No, I very much modelled it on your Patreon, but on a different platform. I have courses in there as well. So that has really grown. I launched it in July, and by September, October, I'd gone past the VAT threshold, which has complicated everything, but it means my business now is this membership. I really enjoy doing it, and there hasn't been all the negativity that you have in a Facebook group. So I had them as… talk about your thousand fans. There are about 1,500 in the membership, and their support really helped the launch of my book, as well as the wider people who get my free newsletter. Jo: Yes. Suzanne: So it's all different types of content marketing. Jo: Y, but I do love this. And of course, if people are wondering, I joined Patreon back in 2014, I think it might have even been before that, and there weren't too many places back then to run communities. It wasn't even really a community at the time, it was a sort of, almost a “give me a bit of support for the podcast.” So things have changed a lot in terms of communities, and obviously you went with Circle, which is great. Patreon is slightly different now, and some people are using Substack for something similar. So that's just on the platform, but on the business: early on in our conversation you said, “I wasn't going to have a business. It wasn't a business. It was just putting stuff out there, helping other people,” and then your audience asked for this membership. And so now it is a business, right? Suzanne: Yes, it is. Jo: And you've got a book and all of this. So are you happy with the change to a business? Because obviously you have to treat it quite differently. Suzanne: Yes, I am, because I think to begin with, I was just doing it one or two days a week. I was actually studying a master's in French literature part-time, and I then found that I was enjoying the blog more than the master's, so I dumped the master's after the first year. But after getting 88% for one of my dissertations, which interestingly was on the translation of a Simone de Beauvoir book into English, and the publisher who's got that now is Random House, but that's another thing. Anyway, so I decided to give up my master's and double down and work full-time on the blog. People were paying to help me with all the big fees and things, the big tech stack, Buy Me a Coffee. I was doing a little bit of consulting and things. I was working six, seven days a week. I was treating it like a business in terms of quality and my effort, but it wasn't a business in terms of revenue. Then it just all came together, and this person said, “Set up a membership,” and I thought, “That's what I'm going to do. I'm now going to put it on a business setting.” I've got an MBA, I know how to do it, and people thought I planned it, but I didn't. It just happened. So now I do very much treat it as a business, but I still don't advertise. I don't allow people to advertise with me, because I want to be independent. If I recommend something, I want people to believe it's me recommending it, not just because someone's paying me, which can be a big issue in the landlord area. Jo: Oh, in any industry. I get pitched every day with loads of random things that people are like, “Oh, a dollar a click or whatever, if you send this to your list.” And it's like, seriously? Just stop it already. I did just want to add there: somebody asked you, they said, “You should have a community,” and that sparked that idea. I just wanted to acknowledge that my Patreon came from Jim Kukral. Some of you will remember, who've been around a long time. Jim Kukral came on my blog around sort of 2013. Amanda Palmer had just put out a book called The Art of Asking, and I was doing a lot of unpaid work on the podcast at the time, and I was either going to give it up or I had to fund it somehow. Jim said, “You should do a Patreon.” And I was like, “Oh, no, I hate asking for money.” So at the time I just felt, oh, weird. Then I was like, “No, I do all this work,” as you were saying. Now the Patreon has changed so much in terms of what it is, but it is the backbone of my business, too. So I love that you listened to one of your fans who said what they wanted, and I love that I've listened as well. Sometimes we just have to listen to those urges, don't we, to take things on? Suzanne: Yes, absolutely. In some ways I didn't really back myself before. I thought, “No one's going to pay for this.” Then the more you give, the more they want. Jo: Yes. Suzanne: What I've been really working on now is having boundaries, because there were two big kind of mottos that I picked up when I was working in pharmaceuticals. One was from a head of the business. He was Canadian, and he was always saying, “You've got to skate to where the puck is heading.” Jo: That's Wayne Gretzky, is it? Suzanne: Exactly. Yes. He would always say it, and so that's what I've done with my blog and my book. When I write things, I don't pay for any tools. I don't do keyword searches and all that. I just think, I do one blog post per topic, and I'm going to guess what people are going to be searching for soon, and I build up all this content around it. That's why most of my blog pages are top five. I've had no advertising. I haven't asked for any backlinks. I don't do it. People backlink to it because it's useful. So that was the first thing, is skate to where the puck is heading, and that was my approach with the book. I knew people would need this book from around May, and they'll need it forever, because it is so complicated and regulated, the rules for being a landlord in England. So that was the first one. The second thing was: when you take something on, you've got to let something go. One in, one out. I found that I was taking on so many different things, and I've just been cutting back, because I can't be doing all the speaking, I can't be answering people's emails. So I now don't do emails. If people want my advice on something, they ask me in the hub, at the twice-monthly live streams. Sometimes I answer in the forums, but I don't have time. When there are 2.4 million landlords in the UK, and even with our 18,000 on my newsletter, I could spend, and I did, I used to spend all my time replying to emails. So anyway, there are the things. Oh, and there was a third one, which is: attract, don't chase. One of my friends gave me that advice and that's exactly what my approach has been. I just don't chase for anything. I just put the stuff there and then build it and they will come. Jo: Yes, and I think another thing is the power of the niche. It's so clear that what you write about, the people you are aiming at, you have an extremely tight target market. That is both a strength and obviously a weakness, because they're the only people. But as you say, there's more than enough of those people for a community, for the book you have. From my own perspective, that's the same for me, the power of the niche. That's how I have a successful podcast, for example, because of that reason. I think you're like a poster child of what a non-fiction author should do. What I like is that you didn't go, “Oh, where's a niche where I could make money?” and then jump in. You've gone about this in a kind of slightly accidental way, but now you're leaning in and this uses all your skills. So this really is a great example of the power of the niche and then making the most of it. But let's move on to what then happened, and— What happened with the book deal? Suzanne: Wow. So you and I met each other on whatever day that was in March at the Indie Author Lab, and the following day I got an email, via my website on a contact form, from Penguin Random House saying, “We love the book. We love the mission, its values,” all this kind of thing. And I was thinking, “Oh, it's another one of those. Must be an—” Jo: AI spam bot, right? Suzanne: Yes, and I remember I sent you a screenshot of it, and then I checked her out on LinkedIn and thought, “Okay, there is somebody with that name there.” You're always saying, and Orna Ross and everyone are always saying, “Watch out for scams.” And in fact, Penguin Random House even this weekend on Instagram put out something saying, “There are lots of people impersonating us.” So I didn't take it too seriously, and it was something like, “Oh, would you be interested in us publishing your book?” And I thought, and I laughed. It was like, no, this is too good to be true. So I replied and said… Oh, I said, “Well, thank you so much. The Renters' Rights Act…” And so this is like the second week in March. “The Renters' Rights Act comes into effect on the 1st of May. If you want to publish it, you're going to need to get your skates on.” I literally did say that. Then she arranged a meeting with me the next day, on the Friday. I still was very dubious about it, and I had a think about it. What helped me, and I have the little booklet here: at the Author Lab, we did some work at the beginning, and Orna said, “Put your phones away.” And it was like, “What? Put my phone away?” Then we had to do this definition of success, and our passion, and our mission, and our purpose. I wrote down things like, I want to help landlords, and in so doing, help improve the private rented sector. I get pleasure from helping people. I want to improve standards and use my legal and practical skills, et cetera. So I thought, “Okay, what is my purpose of doing this book?” It isn't really to make money, because going with Penguin, you wouldn't do that for financial reasons, because you'd make very little money. So I thought, what is my why? My why is I want as many people to read this book as possible. And I've managed to sell a few thousand copies, but there are 2.4 million landlords, and they all need to understand this book, and the only way that I can get it out there, apart from doing ads, is to get it out in bookstores. So I thought about it, and then said, “Yes, I will do it, because I want to get the book out there.” So it's distribution. It's going to be published on the 6th of August, which is really quick, bearing in mind they contacted me in the middle of March. It's exactly the same book, it's just got different copyright wording and different blurb, different paper. Same cover, because I managed to find a fantastic cover person to do it. So they've kept everything the same. So we negotiated that book. I have no agent. They came to me. It's the attract, don't chase. I just put my lawyer hat on, and because one licence is very much like another one… I did turn down their first offer. Jo: Well done. Good negotiation. Suzanne: My daughter said to me, who's an adult daughter, she said, “But it's Penguin.” And I said, “Well, no, but it doesn't work for me.” So I had a call with them, and then they came up with something that worked for me a bit more. I did have to concede on a few things, like I can't sell it in my Shopify store. But in some ways, that was a blessing in disguise, because it means I don't get any more “Where's my book?” emails. Jo: Yes, exactly. Pros and cons of everything, basically. Suzanne: I have very clear rights to get it back. If I want it back, I can get it back and I don't have to give a reason. They're lovely. They have been really very wonderful. When I went up there a month or so ago, they gave me this book bag, and it's got on it, “I'm published by Penguin,” and I burst into tears. Jo: Aw. That's nice. Suzanne: I don't know, it just seemed like such a big deal. Because up until then I was just being all very lawyerly and task-orientated. Then I thought, “Oh my goodness,” and then it dawned on me. So I'm now in this interim period where I've taken it off Amazon and off my Shopify store, and I feel very maternalistic towards the book because, you know, it took me two and a half years, which is longer than a pregnancy. Obviously it's not a child, but it's like my book child. I've sent it off with a backpack and a drink and some snacks, and I hope that they look after him, my book. The day I took it off Amazon it was still number one. And a big shout-out to Publisher Rocket, by the way. Jo: Yes. Very, very useful for niche publishing. Suzanne: Very. It helped me choose the right niche categories. So it was number one on at least one category, often six, all the way through. I thought, “Well, it's over to them now.” They're very lovely people. They've given me some marketing assets, as they call it, some swanky graphics and things to use. We'll have to see what we do in terms of marketing. I don't mind doing marketing. I'm on LinkedIn quite a bit, and my whole blog is marketing. What I've been doing is updating my blog to include one of these graphics and to mention the book, and I got Claude to help me draft the code so it looked right. So I've been going through all of my blog posts and sending people to Amazon rather than to my Shopify store. It is mixed feelings, because I care about my book. I put a lot of effort, a lot of love, a lot of tears. No, not tears, but I put a lot of effort into it, and it's out of my control now. Jo: Yes, you said it's over to them, but obviously you will still be creating content around this topic, so you'll probably still be the biggest driver of book sales. Suzanne: Yes. Jo: Are they also suggesting, for example, a podcast tour, like pitching for podcasts? Are they going to assign you some PR? Because, also if people don't know, as we are recording this, we have a new prime minister who wants to do various things. You said no politics, but this is obviously a political thing. So you have the potential to go on a lot of different podcasts, media, talking about this, becoming almost a talking head in this kind of area. So are you angling for all that, and is that in your contract, or is it literally just going to be whatever you want to do? Suzanne: That's not in the contract. What's in the contract is very minimal. I think I've already done what I'm supposed to do. They are pitching for me to go on podcasts and things. I'll tell you a really funny coincidence. So we now have a new Prime Minister, Andy Burnham, and when he was Mayor of Greater Manchester, he set up something called the Good Landlord Charter. I actually talk about it in the book, and I quote him in my book saying that good landlords mean people trying to do the right thing, or something like that. And I coincidentally came up with the same name, The Good Landlord Handbook. I'd already had the book title for a long time. So this idea of good and landlord coming together, the adjective good as opposed to criminal or rogue, and the cover being green. I'm wanting to change the narrative so it's the norm to have a good landlord, and to help people become good landlords. Or if they're good landlords, help them to understand the new rules, because the new rules are very complicated. So what I don't get involved in is this right or wrong. Is it right that landlords can't do this or have to do this? Because as an in-house lawyer, it doesn't really matter what I think about the law. GDPR, goodness me. Jo: Oh, dear. Let's not start on GDPR. Suzanne: No, exactly. Because we've just got to suck it up. I liken it to the grief cycle, that people have been going through so much change and you have the anger, the depression— Jo: Denial. Suzanne: Bargaining, the denial, and then you get to acceptance. For some people, the acceptance means they want to stop doing it. If you want to accept it and stay, you need to understand the rules. So I've deliberately just kept very practical and have kept out of all the politics of it. I have, funnily enough, become involved because I'm now seen as an expert on the Renters' Rights Act. I've worked behind the scenes with the government to help, and give comment on government guidance for landlords. I was even invited to a reception to mark the passing of the Renters' Rights Act at Downing Street with the previous prime minister, all whilst staying apolitical. I won't let anyone make me be a mouthpiece for their political view. It's more, we just have to do this if we want to continue doing it. I've been very clear on that. Jo: It's interesting you mention the grief cycle there, and you've also mentioned Claude and ChatGPT. I wonder if you might also just comment on use of AI for authors and for marketing and all this. Also with legal stuff, because for me now, if I'm looking at a particular legal thing, I tend to ask Claude. I'm like, “Can you just explain this?” or upload a contract or whatever. Although it is not legal advice, it can be quite useful. So give us your thoughts on using AI as a sidekick in your author business and also for wider life. Suzanne: I now struggle to think what life would be like without Claude. I don't use Claude to write, at all, because I have a very particular voice and a turn of phrase, and if ever Claude writes something for me, it doesn't sound like me. It flattens me, and it makes me sound a bit American. So I don't do that. I've used it in the back end of the business. For instance, my blog was down, and there was something called a recursive bot, which I don't even know what it was, and Claude helped me fix it for free. I went through, I did screenshots. When I did an ElevenLabs audiobook and did it all myself, I was literally, for every screenshot, showing it to Claude. Claude said, “Do this, press this, press that.” So I have all these different projects set up. One is the control room, where it's for my strategic thinking. If I have an idea, I want to think about something, I put it in there. I have the engine room, which is for everything techy. Like when I had the recursive bot, or if I'm wanting to have some code on the website to make it look a particular way. Then I have other things for different subjects, and I put all the resources in there, and I use it a lot as a thinking partner. I've noticed that Fable doesn't hallucinate as much, but the Opus used to. There's something called rental discrimination, and it was proofreading and said, “No, it's not rental discrimination, it's rental income discrimination,” and that was just a load of rubbish. So I would never let it go and change things without me looking at it. I went on one of your webinars a month or so ago about MCPs and all the connectors, which is fantastic. It can go into my community and pull out all the questions for one of my live streams and put it into a document in order, by theme, for instance. It can look at my MailerLite, because that's where my newsletter is with, and analyse the different open rates and click rates and things. It's so good for analysing everything, all the book sales. It helped me with my negotiation with Penguin, and it is pretty good on law. It has sometimes hallucinated things, but not so much now. I think with anything, you've always got to go back to the primary source, and this is what we learn in academia: you have to check the primary source yourself. I have a bit of a magpie brain. I'm very much a discovery writer, like you, and things occur to me as I'm doing it. I think that Claude, at the moment, is incredible. I've been quite open about it on social media that I have Claude as a business partner. I'm a solopreneur, or whatever the word is. I have quite a big business now, and lots of different things, and it's just me doing it, because I can ask Claude how to do this, and how to do that. Claude can go and check my emails and tell me, is there somebody I've not replied to, which helps a lot. Jo: Yes. I think it's empowering as a solopreneur as such. You talk there about the fixing the tech stuff. I have my web host come to me and say, “Look, you're getting so much traffic and bot stuff, and we need to put this thing in, and it's going to be $120 extra a month.” I was like, “Can you just give me an hour? I'll get back to you.” And then I just had Claude code up, and I was like, “Analyse this and tell me what we can do.” It was like, “No, you just need to flip this switch and do that.” And I'm like, “Okay, fair enough.” Then the guy said, “Oh, no, okay, actually you don't need it.” Just stuff like that. As a solopreneur, you're either going to pay somebody technically quite a lot of money, or you can get Claude or ChatGPT. We should say, the ChatGPT Sol is very good, like the Claude Fable, for example. So, yes, using it as a sidekick. I love your control room and your engine room projects as well. That's a great way of doing it. Suzanne: I wouldn't be without it now, and I would have published the book a lot later without Claude, because Claude was helping me with the Shopify store and all the many steps of things. It saved me real time. It is just fantastic. I think, like now when I'm updating my blog, I have a connection between Claude and my blog. Claude can go in, I can give it my Google Search Console results for the page: what should I change, are the headings right? All this kind of thing. And it will give me a view on every single page, which is incredible. Jo: And YouTube, and just everything. Just super useful for that business sidekick. That's what I want authors to think. I feel like authors get so obsessed with the creative side with AI, whereas actually, people like you and me, we're using it as that engine room for the solo business, which is what I love. So we're out of time. I did want to ask one more thing, which is, one of the biggest issues with a specific book like yours is when they change the law again. So do you have a plan in place for if, say, a new government changes the law again? Will you just be updating the book over time? Suzanne: I think that there'll need to be a new edition of the book in three years' time, and I've spoken to Penguin about it. Not all of this new law has been implemented, and there's going to be case law and things. So I expect that I will update the book every few years. I have some other ideas for books as well, but for the moment, I'm just taking a bit of a break. You always say we've got to refill our creative well. I really feel like that at the moment. Recently I've just got myself a personal mobile phone so that I can turn off my work one when I'm on holiday and actually take time off. Because for all the time that I was doing the book, basically from Christmas until May, I didn't have one day off. That is not good. So I'm just trying to be a bit more balanced. I had an idea to write another book for summer, but I've just decided not to, and I'm going to leave it until I feel the urge again. Jo: Oh, well done. Suzanne: Which will come. Jo: Yes, well done. Suzanne: I think there's nothing wrong with that. We just need to think what's right for us. I'm 58. So I want to be able to have time to enjoy things and not be working all the time. Jo: No, that's great. It's a sustainable business. So where can people find you and the book and your community online? Suzanne: The easiest way to find me is theindependentlandlord.com. Or if you put Suzanne Smith and landlord into Google, you'll find me as well, and there's a link on there to the book, The Good Landlord Handbook. In the community, there's a link to that on my website as well. Jo: Brilliant. Well, thanks so much for your time, Suzanne. That was great. Suzanne: Thank you.The post From Blog To Community To Book: A Non-Fiction Author's Journey With Suzanne Smith first appeared on The Creative Penn.

The All Blacks are here! Confirmed by Ant in a plush Cape Town Virgin Active, the Kiwis have landed are preparing hard for the opening game against the Stormers this week. While the ABs sip cocktails in Clifton, a 26-strong Bok squad is quaffing Malbec in Buenos Aires, readying for their warm up against Argentina. There's more antici…pation than a Rocky Horror number and more hype than an NZ rugby journo's X account as we gear up for the Greatest Rivalry (TM CC LTD PBO). Ant, Andrew, Phil and Dick dive into the build-up to the first test, discussing whether the famous rivalry still deserves its billing and why these fixtures continue to stand apart from every other contest in international rugby. From history and respect to contrasting styles of play, the panel explores what makes South Africa versus New Zealand the benchmark by which every other rivalry is measured. Attention then turns to the rugby itself. Are the Springboks entering the series as deserved favourites? Has Rassie's side reached another level over the past year? And while Dave Rennie's All Blacks have shown encouraging signs, can they tighten up defensively against the most complete team in world rugby? The boys also discuss the contrasting approaches of Super Rugby and test rugby, the role of South Africa's franchises in preparing the All Blacks for what's to come, and why this series feels like a genuine measuring stick for both teams heading into the remainder of the international season. Plus predictions for the series, a look at the key individual battles, and why even in an era of expanded competitions and global tournaments, some matches simply matter more than others. Music by @monstroid, 80s TV Show.

An economist believes the number of unemployed Kiwis might be close to peaking. The rate reached an 11-year high in the June quarter, on 5.6 percent - up from 5.4. Many say uncertainty fuelled by the Iran war is discouraging employers from taking on staff. Westpac Senior Economist Michael Gordon says the labour market could be nearing its weakest point. "We were starting to see some momentum picking up in the economy late last year to early this year. Unfortunately, we've had this interruption from the Middle East conflict. Had that not happened, we might be seeing a bit more momentum." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Clint, Meg and Dan riff on Kiwis failing learner licence retests and confusing give-way rules, then share stories about buying a new bed and the absurd world of ultra-absorbent mattress protectors. They preview and play Dan’s EDM “Postcode Playlist” anthem for Gisborne ahead of Rhythm & Vines’ final year there, plus chat Pie Awards winners and a brutal cold snap hitting Dunedin. The show dives into the return of the “family computer,” awkward internet discoveries, and how much real money people spend on in-game purchases. They also discuss unregulated peptides, core memories from comments, and Guy Montgomery drops by to roast producer Carl’s spelling. 01:36 Mattress Protector Madness 03:05 Rotating Round Bed Story 04:12 Postcode Playlist Gisborne Tease 07:26 Celebrity News Quickfire 09:33 First Call RnV Tickets 12:54 Naughty 640 Family Computer 16:20 Caller Confessions Online Finds 19:30 1000 Bucks Letter N Game 21:40 Peptides Trend Warning 26:08 Pie Awards Night Out 31:17 Cold Snap Explained 35:37 Dunedin Students Check In 39:53 Core Memories 46:00 EZ Money 48:15 Gisborne Postcode Playlist 56:04 Black Ferns Chat 01:00:57 In-Game Spending Shock 01:09:02 Guy Montgomery Interview

Tonight on The Huddle, Auckland Councillor Maurice Williamson and former Auckland mayor Phil Goff joined in on a discussion about the following issues of the day - and more! Chris Finlayson recently described Winston Peters as 'old and angry' in an interview. Do we agree with this? The Auckland Chamber of Commerce and Northern Infrastructure Forum have released a joint call to split up the big power gentailers. Are they right? What could this mean for Kiwis and their power bills? New data shows a concerning percentage of Kiwis don't know the rules of the road. Are we surprised about this? LISTEN ABOVESee omnystudio.com/listener for privacy information.

New Zealand First has announced a policy to pay parents $5000 a year for the first three years of a child's life, for up to three children per family. Party Leader Winston Peters says the cash will encourage Kiwis to have more kids, and counter declining birthrates. Massey University's Professor Paul Spoonley is an expert in the demographics and social change and spoke to Ingrid Hipkiss.

Why does it feel like you're working harder but getting nowhere?From rising living costs and inflation to mortgage strategies, KiwiSaver, emergency funds and practical ways to build financial resilience, James and Mike break down why so many Kiwis are feeling the squeeze and the steps you can take to strengthen your finances in today's economy.Next steps: Feeling the pressure of rising costs? Speak to the Lighthouse Financial team for personalised advice on your mortgage, KiwiSaver, investments and cash flow.Can't Refinance Your Mortgage? Watch This Episode Learn More About Balance Transfers HereReview Your Insurances HereFor more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

One of the main concerns Kiwis have when planning out their retirements is the cost of getting old – especially when it comes to healthcare. Ed McKnight runs through a couple of the key things you need to take into consideration when it comes to health after retiring. Public is free, but you pay the price of waiting Over 36% of patients have waited more than four months for surgery The Government's target is 5%, which is why two-thirds of elective surgery in NZ now happens in private facilities (some of that is publicly funded). People wildly underestimate what private costs Most Kiwis think a hip replacement is under $10,000. It's about $27,700–$33,100. Prostate cancer surgery runs around $26,700–$32,300 and breast cancer surgery is around $9,400–$31,100. Ultimately, it's about quality of life. One Auckland man was quoted $165,000 for back surgery, couldn't pay, and sat at home on nine pain prescriptions until the public system took him. Insurance fixes that, but the premium quadruples by 65 Health insurance for a non-smoking office worker is about $170 a month at 35, but it's about $676 at 65. By 75 you're nearing $1,000 a month — over $100,000 across that decade. Over-65s claim more than three times what 35–49-year-olds do. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Winston Peters tells a Green MP to go home and the political world goes into full meltdown. Labour and the Greens are calling it racism, but is it actually prejudice or just classic Winston attacking a political ideology? We break down the Parliament circus, the deafening double standards, and why everyday Kiwis struggling with mortgages are fed up with the endless outrage machine. Learn more about your ad choices. Visit megaphone.fm/adchoices

I haven't spent that much time watching the Commonwealth Games taking place in Glasgow, but what I have seen has been incredible. They all come to an end on Monday morning our time, having begun back on July 23rd. There's been a great deal of ongoing discussion about the viability of the Commonwealth Games, and whether or not they're finically viable, with the bigger Olympic Games to compete with. All in all, I have to say that my thinking on that has changed over the past few weeks. Once again, we've been treated with a fabulous exhibition of our finest athletes. I've loved catching some of the events and seeing competitors that I've never heard of – let alone seen competing until these games. In terms of the Comm Games future, we're constantly faced with questions that confront us in terms of what is and what isn't affordable, but ultimately, it's fantastic to have something as joyful as an international completion to focus on – or to distract us from the often-overwhelming aspects of everyday life. I did use the word international, which I know isn't strictly true with the Comm Games, but its right up there on the world stage with many great sporting nations. And it only feels like tall poppy syndrome to follow any comment about the Comm Games with “but it's not an international event”. We've had the Football World Cup to get stuck into, the Tour De France as well – and the Commonwealth Games. If I had the time to watch them all, I would. It's also been great that good chunks of those competitions have been free to view, much like the days of old when I grew up watching all of the sport New Zealand competed in – for free. Albeit on a clapped-out early rendition of colour TV. Do you remember the excitement of knowing that Dick Quax, John Walker, or Allison Roe were running in any of the Games? I don't think that collective excitement and enthusiasm has disappeared, I just think that life has become a whole lot busier for most of us. I don't know of anyone who's been able to glue themselves to all of the Comm Games, but I think we're all still celebrating some of the big wins for Kiwis when we get the chance to talk about it all with friends on the phone, or mates over a coffee. Zoe Hobbs and her amazing 100 metre gold medal was a real highlight for me. Zoe made history, producing the run of a lifetime to claim a stunning gold medal in the women's 100m final. The 28-year-old sprinter led from start to finish, crossing the line in a national record time of 10.93 seconds. The performance also established a new Oceania record and cemented Hobbs' place among the greatest athletes New Zealand has produced. That's just one amazing highlight in the mix of fabulous New Zealand wins for me. My youngest daughter once ran at national level, and I loved watching her incredible determination to be the best runner she could be. I share that same sense of joy when I see our determined athletes smashing records and personal bests at these Commonwealth Games. David Liti the weightlifter was another. Liti set a Games record by lifting 223kg to become a two-time Commonwealth Games gold medallist. So yes, although I haven't been able to see a whole bunch of events from theses Commonwealth Games, I really hope that they have a long future. In a climate where money is being pulled from so many aspects of life deemed to be unaffordable or frivolous, I sincerely hope that successive governments see the value in supporting our athletes to be the best that they can be. Whether or not they do is entirely out of your —or my— control, but all we can do is cheer loudly and keep celebrating our victorious competitors in the hope that they will a Commonwealth Games to aim for in 2030. See omnystudio.com/listener for privacy information.

Philip Clark investigates this Tran-Tasman standoff with Dr Jacqui Newling from Museums of History NSW with New Zealanders claiming the term sausage sizzle, even the recipe.

Over the past few years, it seems our mates across the ditch have been attracting more and more Kiwis. Last year alone, over 70,000 New Zealand citizens left the country - the highest annual total on record. For a lot of people, it seems like a no-brainer: higher wages, better job prospects and a better standard of living. But does that still hold up? Is Australia still the obvious choice for Kiwis looking for a better deal? Chief Economist at Simplicity, Shamubeel Eaqub has been crunching the numbers and joins the show.

Send Us A Message! Let us know what you think.Why are 10 percent more Kiwi homeowners choosing to rent out their properties rather than sell them? And how did organized crime syndicates convert 17 suburban Auckland rental homes into illegal grow houses right under self-managing landlords' noses?In Episode 22 of New Zealand Property Insights, financial adviser Debbie Roberts and experienced investor Paul Roberts (Owners of Property Apprentice) break down fresh June 2026 rental market data from realestate.co.nz and examine critical asset security safeguards for property owners.First, we analyze the nationwide surge in new rental listings (+10% YoY) driven by Kiwis relocating overseas who are choosing to hold onto their properties as a long-term capital buffer. We explore regional extremes including Wairarapa (+67.6%) and Southland (+32.8%), alongside the sharp stock contraction in Wellington (-25.7%).Next, we break down an urgent warning from police and tenancy experts following the seizure of 1,532 cannabis plants across 17 West Auckland rentals. We expose the subtle vetting red flags that self-managing landlords miss—from failing ID software to fake referees whose voices change across phone calls—while outlining how to perform rigorous due diligence without violating New Zealand's Human Rights Act.

David Seymour is pushing to legalise plug-in solar panels, saying Kiwis are smart enough to handle the fire risk. His Regulation Ministry's newly released report recommends ways to make New Zealand the easiest place to go solar. They also include suggestions to slash installation approval times and costs - in some cases by thousands of dollars. Seymour says plug-in solar can be hazardous, but current regulations assume people are stupid. "I think people can work this out, and it means a whole lot of people - so this is going to be like Australia, you just go to Kmart and buy a solar panel and it starts cutting down your power bill." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Kiwis could soon be able to make purchases using their face or hand. EFTPOS New Zealand is rolling out new biometric payment terminals that will allow people to pay with their faces or palms. The new tech can also act as an age verification tool. Ingrid Hipkiss spoke to Retail NZ's chief executive Carolyn Young.

Questions to Ministers Hon CARMEL SEPULONI to the Prime Minister: Does he stand by all his Government's statements and actions? DAN BIDOIS to the Minister of Finance: What recent reports has she seen on fuel prices? Hon BARBARA EDMONDS to the Minister of Finance: How does the Budget's forecast for negative real-wage growth and higher unemployment affect the cost of living for Kiwis? RICARDO MENÉNDEZ MARCH to the Minister for Social Development and Employment: How many 18- and 19-year-olds, if any, are receiving jobseeker support (health condition, injury, or disability), and what percentage of them have psychological or psychiatric conditions? Dr CARLOS CHEUNG to the Minister of Housing: What recent improvements has the Government made to infrastructure funding and financing? Hon WILLIE JACKSON to the Minister responsible for RMA Reform: Does he believe tangata whenua should be involved in decision-making processes; if not, why not? CHLÖE SWARBRICK to the Prime Minister: E tautoko ana ia i nga korero me nga mahi katoa a tona Kawanatanga? Does he stand by all of his Government's statements and actions? TODD STEPHENSON to the Minister for the Prevention of Family and Sexual Violence: What updates, if any, can she provide on the milestones achieved under the second Te Aorerekura Action Plan? CAMILLA BELICH to the Minister of Justice: Does he stand by his statements and actions in relation to the Summary Offences (Move-on Orders) Amendment Bill? RIMA NAKHLE to the Minister of Justice: What measures has the Government taken to restore real consequences for crime? Hon PHIL TWYFORD to the Minister of Health: Is Health NZ's internal communication correct that the new 30-bed medical ward at Waitakere Hospital will result in an increase of only 11 new beds on opening?

Anthony Byrt on his new historical thriller,  Dying Days, on the Kiwi soldiers  sent to help maintain order in the Italian city of Trieste end of World War II.  

Researchers say there may be a simple way to improve New Zealanders' wealth. Money correspondent Susan Edmunds spoke to AUT academic Bart Frijns.

The cold snap being felt across the country has forced New Zealand's electricity grid operator to call on power companies to increase generation. Transpower is expecting more Kiwis to run their heating over the next few days as temperatures drop, putting a strain on supplies. Transpower operations manager Chantelle Bramley spoke to Ingrid Hipkiss.

You've heard it a hundred times: fewer Kiwis own homes than ever. But a listener asked us a simple question: is it actually true? So we went to the data.In this episode, Ed and Andrew dig into what the numbers really say about home ownership in New Zealand. You'll learn:Has home ownership really fallen in New Zealand? The slippery statistics you need to watch out for The regions where you're more likely to own your own houseThe answer? It surprised even the people at Stats NZ ... so much so that they double-checked it.Book a meeting⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

In “Debone My Toilet” | Episode 247 of The Black Lincoln Collective Comedy Podcast, the crew opens inside what can only be described as a “buffet of meat,” then immediately derails into questionable freestyle rapping, attachable accessories, fake swagger, and Parker trying very hard to be the least white version of himself. Fred is introduced as “the modern age Noah, the show-er, the holy roll-er,” which is somehow both accurate and deeply unnecessary. After some Harry Mack talk and the realization that freestyle rap is much harder when you are not Harry Mack, Fred brings the episode's main disaster: his son's toilet has been clogged for days. Like any responsible, budget-conscious dad, Fred starts with plunging. Then he buys a snake. Then he accepts the nightmare truth: the toilet has to come off. This is not Fred's first toilet excavation. The last time, he discovered someone had flushed the spring-loaded toilet paper roll holder. This time, Parker and Allan guess deodorant, toothbrushes, Legos, and basically every object except the actual answer: two rib bones. Yes, rib bones. Fred's son was apparently eating ribs on the toilet and flushed the evidence, creating the most disgusting barbecue crime scene in podcast history. The guys then dissect the mechanics of toilet removal, wax rings, snapped bolts, Home Depot loyalty, Lowe's discounts, and the proper 3-2-1 method for smoked ribs. The bigger question remains: why was anyone eating ribs on the toilet? Was it secrecy? Efficiency? A meat-based bathroom ritual? No one knows, but Fred's mother-in-law wins the segment by texting that the bones “must have hurt coming out.” The back half pivots into death etiquette and the problem with saying “RIP” for people you do not particularly like. The crew brainstorms alternatives like “Rest in Pizza,” “Rest in Hell,” and other acronyms that should probably stay off memorial posts. They also joke through political death reactions, then shift into appreciating Sam Neill, Jurassic Park, New Zealand, Australia, Kiwis, Aussies, and whether certain countries count as “white people.” It's toilet repair, ribs, death, dinosaurs, and international confusion. Somehow, that is one episode. #blcpodcast #podcastingforthepeople #funny #podcast #greenvillesc #scpodcast #yeahthatgreenville Listen at: https://americasfavoritepodcast.com Follow us on Facebook: https://www.facebook.com/blcpodcast/ Check us out on Instagram: https://www.instagram.com/blcpodcast/ Buy Fred and Allan Beer: https://www.patreon.com/blcworld