Podcasts about OCR

ASB Senior Economist Chris Tennent-Brown joins host Nigel Grant to break down what the latest decision on OCR signals about future interest rates, why mortgage and term deposit rates have already started lifting, and what a more patient Reserve Bank means for housing, savings and the wider economy. Plus, why “be careful what you wish for” is still the best advice when it comes to lower rates.

This week we catch up with The North Face athlete, Jon Albon, one of the most versatile and consistent endurance athletes on the planet. We look back on his huge 2025 season, dig into what he's building toward in 2026, and then take a deep dive into Gary's new best friend: The Albon App… or Ascend, as it's now known after the recent rebrand.Jon brings his trademark clarity & humility. Whether you're a mountain runner, an OCR die‑hard, or just someone who loves hearing from athletes who truly get it, this episode is packed with insight, laughs, and a few surprises!Thanks to Precision Fuel & Hydration for supporting our February competition. Head over to instagram for all the deets. Good luck!Links to friends, partners, sponsors & discount codes - https://linktr.ee/teaandtrails?utm_source=linktree_profile_share<sid=1c86b2f1-b04b-4dab-bd2f-dddf47358fa3HARRIER - Use code TEAS10 for 10% off - https://harrierrunfree.avln.me/c/qXhnTgIdEMeaXMILES UK - Listeners receive 10% of their order value back as store credit via the link - https://xmiles.avln.me/c/RiwxnARvfHeRFENIX LIGHT LTD - Use code T&T5 for 5% - https://www.fenixlight.co.uk/PRECISION FUEL & HYDRATION - Use code TEA2026 for 15% off your first orderPRECISION FUEL & HYDRATION PLANNER - https://visit.pfandh.com/3RuP25zRUNDERWEAR - Use code TEATRAILS15 for 15% off your order.https://runderwear.avln.me/c/GPVNMgMfYfLPContent may contain affiliate links which help support and grow this channel at no extra cost to you. Brew with the Coaches - CLICK HERE Hardmoors - https://www.hardmoors110.org.uk/Trail Outlaws - https://www.trailoutlaws.com/13 Valleys Ultra - https://www.13valleysultra.com/Beyond Trails - https://www.beyondtrails.co.uk/Hellfire Events - https://www.hellfireevents.com/Ourea Events - https://www.oureaevents.com/Dales Runner - https://dalesrunner.co.uk/Hannah Walsh - https://www.hannahwalsh.co.uk/Punk Panther - https://www.punkpanther.co.uk/Pen Llyn Ultra - https://penllyn.niftyentries.com/Raw Adventures - https://www.raw-adventures.co.uk/XNRG - https://www.xnrg.co.uk/

Adult language warning - this episode contains adult language, please bear this in mind when listening  This week's Patreon chat is all about race‑season plans, volunteering wins,  making OCR more inclusive and racing abroad Wendy and Bea share their goals for 2025—Wendy returning to racing after a year of volunteering, and Bea dedicating her season to giving back after smashing Limitless. We dive into junior race support, accessible setups at TMHQ, and standout volunteer perks like the 13 Valleys Ultra package. We look ahead to the 3K Series, British Champs, Tartan Warrior, and a packed awards weekend, plus the brilliant idea of Nuclear's volunteer dry robes. Alan also breaks down the new adaptive‑friendly scoring for Limitless, with Bea cheering the changes. The episode wraps with Alan chatting to Wil Chung about racing overseas—travel tips, race‑day hacks, and how to make international OCR trips actually enjoyable. Follow Wendy here Instagram Follow Bea here Instagram Follow Wil Here Instagram  If you have any questions about the show or would like to explore advertising opportunities, feel free to reach out to us at admin@ukocr.com.

Send us a question/idea/opinion direct via text message!This week, following the release of the Cotality Monthly Chart Pack for February, Nick and Kelvin discuss recent sales data, regional buyer trends, and economic indicators. They explore the impact of timing on market activity, regional disparities, and the influence of economic recovery on housing demand following the RBNZ MPS and OCR hold from last week.Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email ngoodall@cotality.com or kdavidson@cotality.comThis podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.

On Hands-On Tech, Mikah guides Bob with some ways to streamline his process of scanning his physical recipe cards into importable files for his recipe manager app. Don't forget to send in your questions for Mikah to answer during the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: shopify.com/hot

On Hands-On Tech, Mikah guides Bob with some ways to streamline his process of scanning his physical recipe cards into importable files for his recipe manager app. Don't forget to send in your questions for Mikah to answer during the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: shopify.com/hot

On Hands-On Tech, Mikah guides Bob with some ways to streamline his process of scanning his physical recipe cards into importable files for his recipe manager app. Don't forget to send in your questions for Mikah to answer during the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: shopify.com/hot

On Hands-On Tech, Mikah guides Bob with some ways to streamline his process of scanning his physical recipe cards into importable files for his recipe manager app. Don't forget to send in your questions for Mikah to answer during the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: shopify.com/hot

In this episode of the CPQ Podcast, we sit down with Dustin Anglen, Strategic Partnerships Manager at PandaDoc, to discuss how PandaDoc CPQ supports faster quoting for SMB teams (roughly 5–500 employees). PandaDoc is widely known for proposals and eSignature, and Dustin explains why CPQ is a natural extension—especially for organizations that want a practical, easy-to-administer approach without heavy configuration overhead. We cover where PandaDoc CPQ fits best (including SaaS, software & technology, professional services, and education) and how customers typically use it alongside their CRM. Dustin outlines PandaDoc's API-forward SaaSapproach and its key integrations with HubSpot, Pipedrive, and Salesforce. We also discuss what's available today—and what's still evolving—such as ERP connectivity (currently not a standard integration, with MVP work underway) and common customer expectations around implementation, which is often 8–12 weeks. On the capability side, Dustin shares the top requests he sees from the market: product configuration, contract-based pricing, and CRM integration. We talk about product structure support (including bundles), pricing flexibility across segments and regions, usage-based pricing, and how PandaDoc positions its CPQ as a rules engine that is largely no-code (with options for more advanced logic when needed). We also dig into PandaDoc's AI direction—template generation, OCR and document intelligence, metadata-driven automation, and an admin-focused AI feature for helping set up product and pricing rules (currently in testing, with broader availability expected later this year). You'll also hear a few personal moments from Dustin—from his early career in the Salesforce ecosystem (including starting at Apttus in 2014), to an unexpected chapter running a beekeeping business in Santa Barbara, to his passion for freediving near San Diego. A PandaDoc CPQ free trial is available on PandaDoc's website.

On Hands-On Tech, Mikah guides Bob with some ways to streamline his process of scanning his physical recipe cards into importable files for his recipe manager app. Don't forget to send in your questions for Mikah to answer during the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: shopify.com/hot

On Hands-On Tech, Mikah guides Bob with some ways to streamline his process of scanning his physical recipe cards into importable files for his recipe manager app. Don't forget to send in your questions for Mikah to answer during the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: shopify.com/hot

On Hands-On Tech, Mikah guides Bob with some ways to streamline his process of scanning his physical recipe cards into importable files for his recipe manager app. Don't forget to send in your questions for Mikah to answer during the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: shopify.com/hot

On Hands-On Tech, Mikah guides Bob with some ways to streamline his process of scanning his physical recipe cards into importable files for his recipe manager app. Don't forget to send in your questions for Mikah to answer during the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: shopify.com/hot

On Hands-On Tech, Mikah guides Bob with some ways to streamline his process of scanning his physical recipe cards into importable files for his recipe manager app. Don't forget to send in your questions for Mikah to answer during the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: shopify.com/hot

More information on our 90 day business planning program: https://nextadvisory.nz/90-day-business-planning/The Reserve Bank held the OCR at 2.25%, and everyone's looking for relief. But the reality is the external conditions won't save your business, your actions will.Luke and Phil break down why waiting for perfect interest rates, inflation numbers, or economic conditions is a losing strategy. We cover why business is supposed to be hard, the friction between economists and the Reserve Bank, and why some businesses are thriving while others are stuck waiting for someone else to fix their problems.When are we going to learn that the external is created from the internal? You're going to have to go and do the work first. Stop looking for magic solutions.The businesses winning right now aren't waiting for rate cuts, they're executing their strategies regardless of economic conditions.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

AI is revolutionizing how health information is managed. Utilizing sophisticated algorithms, it can assist professionals in making more informed decisions. For instance, optical character recognition (OCR) can read and interpret medical records, identifying potential compliance issues and ensuring every page represents the correct patient.  In this episode, host Sandy Vance chats with Anupriyo Chakravarti, the Chief Technology and Product Officer at Verisma, about how healthcare organizations can use intelligent automation to reduce risk and uncover compliance gaps in order to free staff to work at the top of their license.  In this episode, they talk about: What Verisma can do for healthcare organizations Use case examples Some of the risks Verisma mitigates by finding missteps like unauthorized disclosures  AI is taking over the world of informatics Enabling people to work at the top of their license is critical People are not anti-AI, they are anti-opacity A Little About Anupriyo: Anupriyo Chakravarti joined Verisma Systems, Inc. in 2017 as the Senior Vice President of Research and Development. Anupriyo brings 25 years of experience as a highly effective leader in healthcare IT product management and software development for Fortune 500 companies and startups. Anupriyo joined Verisma after serving as vice president of product management and marketing at McKesson, where he led the product management and marketing functions of the Extended Care Services (ECS) business unit. Before McKesson, he worked for 11 years at Surgical Information Systems (SIS), where he led software development, and ultimately product management, to deliver solutions for the surgery and anesthesia departments at health systems and ambulatory surgery centers. Prior to working with SIS, Anupriyo worked for Arthur Andersen, Ryder Dedicated Logistics, IBM and TATA Motors. Anupriyo has a bachelor's degree in mechanical engineering from IIT Roorkee in India.   

This week on Swift Half, Ian and Alan cover a huge mix of life, laughs, and OCR madness—plus a few spicy opinions along the way.

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

In 2026, the landscape of digital privacy in healthcare has shifted dramatically. It's no longer just about staying HIPAA compliant; it's about navigating a "wild west" of state-level consumer data laws, aggressive class-action lawsuits, and the end of surveillance-based marketing.In this first of a two-part series, Jennifer and Corey break down why your standard Google Analytics setup might actually be a liability and how 20 different state regulatory environments are changing the rules for healthcare marketers. We discuss the rise of a new cottage industry of privacy litigation and why "Accept Cookies" banners are no longer enough to protect your practice.Key Takeaways:The New Privacy Landscape: Why privacy is becoming a standalone regulatory category separate from HIPAA.The Google Analytics Problem: Understanding why HHS and OCR guidance suggests that tools like Google Analytics can create PHI violations simply by tracking IP addresses on condition pages.State-Specific Hazards: A look at the strict laws already on the books in Washington, Nevada, Connecticut, and Maryland.The Ambulance Chasers of Tech: How law firms are targeting practices for pixel-related tracking violations.Trust as a Commodity: Why protecting patient data from big tech is now a brand differentiator and a way to build long-term patient loyalty.

Explore the latest tech and accessibility insights from the Zero Project Conference in Vienna with Steven Scott, Shaun Preece, and the ever-charismatic Mr. F. From innovative assistive devices to affordable smart canes and Meta's conversation-focus glasses, this episode uncovers the real challenges and opportunities in accessible technology. In this engaging episode of Double Tap, Steven reports from Vienna at the bustling Zero Project Conference, where leaders in accessibility and assistive technology converge. He shares first-hand experiences of cutting-edge tech, including Meta's AI-powered conversation-focus glasses, affordable smart canes from Torchit, and dual-purpose wearable OCR devices for blind users. The team explores the importance of engaging the disabled community during product development, discusses the high cost of assistive tech, and debates why so many innovations duplicate existing features without improving on them. Mr. F adds humour and perspective, sharing stories from the conference floor, speed networking, and the quirks of modern devices like smart TVs. From the future of AI-powered smart homes to the upcoming Focus 40 6th Generation braille display, the conversation digs deep into the state of accessibility today, why cost and awareness remain barriers, and how much potential there is for truly inclusive innovation. Relevant Links Zero Project: https://zeroproject.org Find Double Tap online: YouTube, Double Tap Website---Follow on:YouTube: https://www.doubletaponair.com/youtubeX (formerly Twitter): https://www.doubletaponair.com/xInstagram: https://www.doubletaponair.com/instagramTikTok: https://www.doubletaponair.com/tiktokThreads: https://www.doubletaponair.com/threadsFacebook: https://www.doubletaponair.com/facebookLinkedIn: https://www.doubletaponair.com/linkedin Subscribe to the Podcast:Apple: https://www.doubletaponair.com/appleSpotify: https://www.doubletaponair.com/spotifyRSS: https://www.doubletaponair.com/podcastiHeadRadio: https://www.doubletaponair.com/iheart About Double TapHosted by the insightful duo, Steven Scott and Shaun Preece, Double Tap is a treasure trove of information for anyone who's blind or partially sighted and has a passion for tech. Steven and Shaun not only demystify tech, but they also regularly feature interviews and welcome guests from the community, fostering an interactive and engaging environment. Tune in every day of the week, and you'll discover how technology can seamlessly integrate into your life, enhancing daily tasks and experiences, even if your sight is limited. "Double Tap" is a registered trademark of Double Tap Productions Inc. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

19th Feb

19th Feb

Will a higher OCR crash New Zealand property, or is that just what we need? In this episode we'll unpack why bank economists are suddenly keen on future hikes, how that lines up with record profits and rising net interest margins, and what it all means for house prices, mortgage refixes, and already‑stretched Kiwi households. I'll finish with how I'm setting my own mortgage terms right now – including a big 5‑year fix rolling off – so you've got a real‑world example to compare your own strategy against.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.Affiliate Links!The Bitcoin Adviser: Plan for intergenerational digital wealth.Hatch: For US markets.Revolut: For a new type of banking.Sharesies: For local, and international markets.Loan My Coins: Bitcoin lending product.Exodus: Get rewards on your first $2,500 of swapsOnline courses:Take the free, 5-part online course Crypto 101: Crypto with ConfidenceGet Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.radicalinvestment.co.nz________________________Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

APAC stocks traded higher in continued thin conditions as many regional bourses remained closed for holidays.RBNZ kept the OCR at 2.25%, as expected, and the central bank refrained from any hawkish surprises; NZD heavily underperforms.US VP Vance said in some ways Iran talks went well, while he added that Iranians are not yet willing to acknowledge some of President Trump's red lines.US Special Envoy Witkoff said the US facilitated the trilateral meeting between Ukraine and Russia, while he added that Ukraine and Russia agreed to update leaders and pursue an agreement.European equity futures indicate a positive cash market open with Euro Stoxx 50 futures up 0.2% after the cash market finished with gains of 0.7% on Tuesday.Looking ahead, highlights include UK CPI (Jan), US Durable Goods, Industrial Production (Jan), Housing Starts (Nov/Dec), Atlanta Fed GDP, FOMC Minutes (Jan), US-Ukraine-Russia talks to take place (17-18 Feb). Speakers include ECB's Cipollone, Schnabel & Fed's Bowman. Supply from Germany & US. Earnings from Analog, Carvana, DoorDash, Booking Holdings, Moody's, Garmin, Glencore & Orange.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

The OCR has stayed at 2.25%. No surprise there.But in this episode, Ed and Andrew explain why what the Reserve Bank said matters more than what it did – and what that means for your mortgage, your strategy, and house prices.You'll learn:What the latest OCR decision really signals about the direction of interest ratesWhy inflation is still sitting above 3% What to expect for mortgage rates over the next 6, 12, and 24 monthsIf you've got a mortgage or you're planning to get one, this episode gives you a clear roadmap for what's likely ahead and how to position yourself accordingly.

On the Mike Hosking Breakfast Full Show Podcast for Thursday 19th of February, we cover the OCR, yet another report reinforcing our inability to protect our most vulnerable children, and the rising use of hard drugs. Reserve Bank Governor Anna Breman explains her OCR call and whether she or the economists got it right. Country music star Corey Kent is in the country with Jason Aldean, and popped in to regale us with stories of Willie Nelson and Paul Simon. Get the Mike Hosking Breakfast Full Show Podcast every weekday morning on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVE See omnystudio.com/listener for privacy information.

The Reserve Bank's kept the OCR unchanged at 2.25% and isn't forecasting any change until the end of the year. Governor Anna Breman says inflation should be back within target this quarter. She says the economy fundamentals are consistent with inflation falling to, and remaining at, 2% over the medium term. Infometrics Principal Economist Brad Olsen told Mike Hosking the Governor is playing with a pretty straight bat. He says it's a tricky balance, as the economy doesn't quite feel like it has recovery momentum, and they don't want to cut that off at the knees by spooking anyone, but they do have to be focused on inflation. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Our new Reserve Bank Governor says she has full confidence in the people making OCR decisions. The Monetary Policy Committee, chaired by Anna Breman, has decided to keep the OCR unchanged at 2.25% for now. It says while inflation is above the target band, the economy still needs some time to recover. Breman told Mike Hosking the committee will make the best decisions it can, based on the data and forecasts it has access to at the time. She says something might look obvious in retrospect, but they're dealing with lots of global shocks constantly hitting the New Zealand economy. LISTEN ABOVE See omnystudio.com/listener for privacy information.

The Reserve Bank says inflation's too high, but it's actually worried it could soon end up too low. It's kept the OCR unchanged at 2.25 percent. New Governor Anna Breman says they're not happy with headline inflation surpassing the one-to-three percent target band last quarter. But she says underlying core-inflation is much lower, and wage growth slow. She explained that unless the economy rebounds, they think inflation might actually fall below the target. LISTEN ABOVESee omnystudio.com/listener for privacy information.

We've had the first monetary policy decision from the new Reserve Bank Governor, and it's not until you get a new captain at the helm that you realise just how little confidence you had left in the previous one. Now, to be fair, it's early days for Anna Breman. We'll judge her by what she does from here on in. But she does start with a clean slate - without us reading too much into her decisions or second-guessing every move because of a poor track record. And that, I'd say, is a very welcome change from just a few weeks ago before she took over. Her assessment is that inflation is fine. Yes, it's a little high right now - 3.1 percent, outside the target band - but it's expected to fall back within the band by this time next year. The economy is improving. The green shoots that were previously limited to certain regions and industries are becoming more widespread. Households are getting more money in their pockets, but they're still cautious - and that's a problem. Because unless they're confident enough to spend, they'll hold back the economic recovery from what it could potentially be. But - and this is probably the bit you've been most interested in, and waiting for - they will start raising the OCR faster than expected. Previously, the Official Cash Rate projection had it going from 2.2 percent in March to 2.3 percent in December. That's now been brought forward: they're forecasting 2.3 percent in June and 2.4 percent in December. The first increase will still most likely be in December, but the chances of it happening in September just increased. It's not a major concern. It's not a major correction. It's not a game-changer for most people. But it does bring the inevitable a little closer. Still - for now - it's nice to have a change at the top, isn't it? And here's hoping this Governor does a better job than the last one. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Tonight on The Huddle, Tim Wilson from the Maxim Institute and Jack Tame from ZB's Saturday Mornings and Q&A joined in on a discussion about the following issues of the day - and more! Anna Breman made her first call as Reserve Bank Governor and left the OCR unchanged at 2.25 percent. Do we think this is the right move? Do we need to start putting down more dangerous dogs? The recent attack in Northland has sparked discussion - and some outrage. Do we need tougher regulations for dogs, or owners? Heather says the Foo Fighters are the greatest modern rock band in existence. Do we agree with that? LISTEN ABOVESee omnystudio.com/listener for privacy information.

The new Reserve Bank Governor is standing by the first OCR decision she's overseen - keeping the cash rate at 2.25 percent. Anna Breman said the Bank isn't happy with inflation being at 3.1 percent, but it's likely it will drop later in the year. NZ Herald Wellington business editor Jenee Tibshraeny explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Watch the full video interview here Annual sustainability and ESG reporting is now becoming a necessity for many businesses, whether driven by region specific regulations and legislation, industry expectations or client demand.  However, doing so is definitely easier said than done. It requires a complex network of data being gathered from multiple sources which then needs to be collated, analysed and summarised in a cohesive report for leadership and possible public publication. Thankfully, there have been developments in new AI driven technology that can help ease this annual burden, allowing you to focus on utilising the results to make meaningful sustainability impacts. In this episode Mel Blackmore is joined by Darayush Mistry, Head of Product at Pulsora, to discuss how AI can make a difference in ESG and sustainability reporting, including its benefits, pitfalls and the balance of utilising AI while considering its environmental impact. You'll learn ·      Who is Darayush? ·      Who are Pulsora? ·      When did Darayush realise how AI could be utilised for ESG and sustainability reporting? ·      What are the positives of AI in this space? ·      Why is AI for ESG and sustainability reporting becoming more necessary? ·      What are the risks involved in using AI for ESG and sustainability reporting? ·      Where is AI making a real difference in reporting? ·      What parts of ESG and sustainability reporting need human judgement? ·      How does AI help collate data from multiple sources? ·      How might regulators react to AI being utilised in reporting? ·      How can businesses utilise AI while still considering it's environmental impact? ·      Darayush's advise to sustainability leaders looking to explore AI solutions   Resources ·      Pulsora ·      Darayush Mistry ·      Carbonology   In this episode, we talk about: [00:25] Episode Summary – Mel is joined by Darayush Mistry, Head of Product at Pulsora to discuss the use of AI tools in ESG and Sustainability reporting, how you can leverage this technology and what risks you need to be aware of before doing so. [02:40] Who is Darayush Mistry? Darayush has been working with enterpirise software for the past 2 decades. This technology is used by companies to help operationalise their business. He began his career at a company called Siebel Systems, which operated in the CRM space, spending 10 years there before moving onto the world of sustainability. Darayush recalls how everyone was so used to working from a set of spreadsheets just 20 years ago, whereas now most will use a central CRM for business operations. This is an area that sustainbilty reporting seems to have lagged behind, with many still trying to collate their data from multiple spreadsheets and other external sources rather than having a dedicated central system. This is why he was eager to work with Pulsora, to bring similar solutions to businesses as he once had with CRM's in the past. [05:25] Who are Pulsora? Pulsora are an AI-forward SaaS (software as a service) platform. The Pulsora platform helps businesses to operationalise their sustainability initiatives, which includes data collation, calculation and reporting features. This is set up for scope 1, 2 and 3 level reporting, with considerations for climate related goals, waste water monitoring, biodiversity and policy oriented information. Darayush's role as Head of Product means he sits at the intersection between customers and Pulsora's engineering and design teams. His job is to ensure that whatever Pulsora created ultimately provides value to their customers in the form of successful sustainability outputs. [07:50] When did Darayush realise how AI could be utilised for ESG and sustainability reporting? Darayush can pinpoint a time four years prior when he first stepped into a more sustainability focused role, speaking to the co-founders of Pulsora back in 2021 they were sharing experiences of using the then early versions of AI tools such as ChatGPT and Gemini. It clicked for them then that they could do something similar for sustainability reporting, making it as easy as possible while still being accurate. It wasn't until 2 years later that they had a product to launch with Pulsora AI in late 2024. This initial product allowed users to write long from narrative responses for carbon disclosures. Regulations like CSRD require a comprehensive disclosure, but not everyone is an expert in parsing the data to write that, so Pulsora AI helped get past that writers block, to give people the building blocks for that professional disclosure. [11:55] What are the positives and negatives of AI in this space? The biggest benefits include: ·      Giving professionals and sustainability teams more time back to achieve their desired outcomes. ·      Cutting down on spending time in spreadsheets and on calculations on an annual basis. ·      Reduction of repetitive tasks ·      Ease of data collection from multiple sources and locations ·      Ease of data calculation ·      Allowing for pre-audit of data using AI tools ·      Highlighting data gaps when rationalizing the data [17:20] Why is AI for ESG and sustainability reporting becoming more necessary? People are starting to move on from the mindset of 'Let's try AI' to 'Let's use AI'. Time is one of the most precious resources we have, and any tool that can help accelerate more mundane tasks so that people can focus on making results happen should be a priority. Sustainability teams are under increasing pressure to produce tangible results, something that can be made easier with the help of AI tools. [20:06] What are the risks of using AI in ESG and Sustainability reporting? Don't treat AI as this magic wand, it's a tool you can leverage. At the moment, it's good at certain tasks, but it cannot act on its own.    In order to progress, sustainability teams need to push on the initiatives to produce results. People know their business best, and though AI can infer certain information and produce a result, it may not always be the best solution for you. You still need that human input into areas such as strategy and action planning. Darayush reminds us of Amara's Law: "We as humans severely overestimate technology outcomes in the short-term, and severely underestimate that in the long-term" Don't fall into the trap of thinking AI can do everything. [22:30] Where is AI making a real difference in reporting? Data collection, ad-hoc sustainability reporting and providing insights into the data provided. It can also help with providing a starting point for carbon disclosures or options for various strategies that you could explore. Currently, the biggest one is data collection, as it can help do this efficiently and consistently, allowing for improved accuracy in your overall sustainability data. [25:20] What parts of ESG and sustainability reporting need human judgement? Darayush states that these are complementary to each other, it should never be all of one and none of the other. There will be elements that need more human in the loop and areas where it's required less. It's applicable in degrees. One example of where the human input will be higher is in completing a materiality assessment and figuring out how to execute your decarbonisation strategy, which will require your knowledge and experience of how the business operates, it's core values and what your ultimate goals are. AI can do the heavy lifting in areas such as sustainability reporting, as it can collate all the data and create initial reports very fast. But, at the end of the day, humans still need to understand these outputs and provide their own judgement. 'AI' today isn't true AI, they're LLM's with a great capacity to collect data, analyse it and provide outputs that can be starting points. It cannot replace human judgement, as we provide the nuance in context and experience needed to apply those results effectively. AI responses operate in a perfect world where everything is an easy step by step process, which we all know does not reflect reality. [29:40] How does AI help collate data from multiple sources? Older technologies like OCR (optical Character Recognition) was the go to years ago when scanning various different documents like spreadsheets, PDF's, receipts etc. This required specific code to be written to read these docs accurately, this would then feed into pipelines to bring this data together. This code was quite rigid, so any changes to document layouts would cause things to break. AI in comparison is much more adaptable, it's capable of reading much more natural language and extracting what's required for its designated task. It also provides a much more friendly UI (user interface), meaning you don't need an IT specialist to utilise the technology. [33:15] How might regulators react to AI being utilised in reporting? Based on Darayush's previous experience in the finance sector when people were using dedicated platforms for financial reporting, the regulators didn't care where the data came from or how it was collated, they just card if it was accurate.  Regulators want transparency, accuracy and a big part of this is providing an audit trail so they can see where the data came from. They simply want businesses to follow their guidelines, the how you get from A to B is of little importance so long as the result is accurate. If anything, the existence of these tools will raise the bar of expectations from regulators, as businesses should be able to provide the required information with these tools readily available. [36:30] How can businesses utilise AI while still considering it's environmental impact? – AI can certainly aid the sustainability industry in certain areas, such as reporting, but it's a resource intensive tool. It consumes a lot of energy and water. Like with most emerging technology, the sustainability impact usually isn't addressed until much later. Much like with mobile phones, which create tonnes of E-waste every year, not to mention the mined material required to make them. It's factors like this which eventually get regulators involved to help reduce the overall harm caused. AI is yet to go through this evolution, but both regulator and consumer pressure is building to reduce the impact of AI. This will inevitably lead to innovation as companies seek to find more sustainable ways to cool data centres and reduce the resource burden. On the flip side, AI can help save energy in other ways, such as time taken to complete the tasks for a human, which will include travelling to an office and amount of time they use a device for the task. This also has its own carbon footprint, which can comparatively be reduced by using AI to complete the tasks in minutes as opposed to hours or days. The bottom line as of the start of 2026 is, we know there is a resource issue when it comes to AI, and companies are looking at better ways to address it as the technology develops. [42:20] Darayush's advise to sustainability leaders looking to explore AI solutions – Identify a problem space where you can apply AI in a measured way an start using it. The only way you can find out how it impacts you is to use the technology.   Currently, AI shines is areas such as collating data from multiple sources and locations, so if that's an issue you're tackling where sustainability reporting is concerned, that's a good place to start with utilising AI.   If you'd like to learn more about Pulsora, check out their website.   We'd love to hear your views and comments about the ISO Show, here's how: ●     Share the ISO Show on Twitter or Linkedin ●     Leave an honest review on iTunes or Soundcloud. Your ratings and reviews really help and we read each one. 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The new Reserve Bank Governor will deliver her first Monetary Policy Statement today. The central bank's expected to keep the OCR unchanged at 2.25%. It's likely to show when inflation should start easing, and when the economy should recover from last year's downturn. BNZ Chief Economist Mike Jones told Mike Hosking today's announcement will likely see them swap out the mild easing bias the bank had in November and replace it with a mild tightening bias. He says they believe the Reserve Bank will probably want to signal a hike by around December this year. LISTEN ABOVE See omnystudio.com/listener for privacy information.

THE BEST BITS IN A SILLIER PACKAGE (from Wednesday's Mike Hosking Breakfast) Could This Be the Craziest OCR Day Ever?/How Much Did January Suck?/Labour Ain't What it Used to Be/Stop Adding the "S"/News for IdiotsSee omnystudio.com/listener for privacy information.

New Zealand-based gambling experts have claimed prediction market platforms like Polymarket are illegal under the nation's gambling laws. Platforms like Polymarket and Kalshi are online markets where users can place bets on future outcomes, like political news events or OCR updates. Internal Affairs Director of Gambling Vicki Scott says Polymarket meets the definition of their illegal framework - and they're looking to shut it down. "We wrote to both Kalshi and Polymarket yesterday, explaining our view that it's clearly in breach of our laws and requesting their immediate removal from the New Zealand market." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Interest rates are rising again ... but not in the way most Kiwis think.In this episode, Ed and Andrew break down which mortgage rates are actually going up, how high they could go next, and the big question: how long should you fix for in 2026?You'll learn:Which rates are rising (and which aren't) How high the OCR could go How to choose between 1, 2 or 3-year fixes If you've been waiting for rates to “come back down,” this episode helps you understand what's actually happening and how to respond strategically rather than emotionally.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account and Wealth Plan here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠

This week we're joined by Tough Mudder HQ heavyweights Matt Brookes and Karen Trickey for a deep dive into everything shaking up the OCR world. From World's Toughest Mudder 2026 to the evolving relationship with Spartan, nothing is off the table. Matt and Karen pull back the curtain on some of the new course features coming to WTM—yes, including the much‑whispered Morning Glory—and share early insights into how the event is evolving for 2026. We also rewind to the standout moments of 2025, celebrating the athletes, obstacles, and stories that defined the season. But that's not all. We explore the brand‑new Hex Medal Collection, the launch of the Tough Mudder Trifecta, and the gear choices that are winning over the community—right down to Alan and Matts love of shoes  It's an episode packed with transparency, nostalgia, and a look ahead at what's next for the world's muddiest family.  If you have any questions about the show or would like to explore advertising opportunities, feel free to reach out to us at admin@ukocr.com.

Send Us A Message! Let us know what you think.The market is shifting gears—are you keeping up?In this week's Week in Review, Debbie Roberts unpacks the signals that matter most to your wallet. We are seeing a stabilizing market with resale profits ticking up, but a surprise surge in borrowers locking in 2-year fixed rates suggests the "floating rate" trend is over.Key Topics Covered:Resale Turnaround: 88% of sellers made a profit in Q4—has the market hit the bottom?Mortgage Trends: Why new lending hit record highs in December and why everyone is fixing for 2 years.Golden Visas: The foreign buyer ban softens on March 6th. We explain the strict $5m+ rules.Jobs & Inflation: Unemployment is up, but wage growth is down. What this means for the OCR.Solar Equity: Why retirees and renters are missing out on the solar boom.

#440> Check out Sofer.AI's transcription tools, OCR of Seforim, and more at: https://www.sofer.ai/> To join the SeforimChatter WhatsApp community: https://chat.whatsapp.com/DZ3C2CjUeD9AGJvXeEODtK> To join the SeforimChatter WhatsApp status: https://wa.me/message/TI343XQHHMHPN1>  To support the podcast or to sponsor an episode follow this link: https://seforimchatter.com/support-seforimchatter/or email seforimchatter@gmail.com (Zelle/QP this email address)Support the show

Today on the show the guys don't talk about the OCR or mortgage rates, but they do talk about Rooda's cold sore, and old people getting frisky under the covers.See omnystudio.com/listener for privacy information.

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

We've started to see spots of what looks to be recovery in our economy over recent months. It's not consistent, but it's frequent enough to give us some hope for the year to come. Westpac is picking a whole lot of OCR hikes from the end of this year, and other forecasts seem to set a similar scene - a better economy is coming, and rates will have to reflect that when the time comes. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Westpac's economists are picking 6 consecutive OCR hikes from December - they're forecasting that it will hit 4% by the end of next year. The OCR dropped to 2.25% just before Christmas, which is where it stands now, but there have been rumblings for some time that we'd start seeing hikes soon, as all major banks lifted long-term loan rates. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Alan powers through a toothache, shows off his DIY core board, and somehow ends up debating northern accents, oat‑milk lawsuits, and why he's currently fuelled by cow's milk instead of beer. Ian brings the chaos with fitness trends gone wrong (yes, someone runs a 6‑minute mile just to justify fast food), questionable race branding like "Hyathlon," and the latest hybrid racing gossip. They dive into: • The dog‑friendly OCR • AI vending machines behaving badly • Spartan's halftime challenge • DEKA's big marketing opportunity • OCR series updates & adaptive athlete wins • Judges get pay at Deadly Dozen • Six Nations predictions and England's chances It's fast, funny, and full of the usual Swift Half tangents — from dodgy Amazon deliveries to sea‑creature TV shows.  If you have any questions about the show or would like to explore advertising opportunities, feel free to reach out to us at admin@ukocr.com.

• Elite 15 judging controversy from HYROX Phoenix • Wall ball depth calls and sled line penalties • Judge positioning and why some no reps are impossible to see • Why HYROX should back judges publicly and fix issues privately • Passport and birth certificate requirements for regional championships • Certified copy confusion for U.S. athletes • U.S. versus European passport culture • Spartan DEKA Discovery activations at race festivals • What worked and failed with Spartan Games • Mixed doubles judging and workload imbalance • Why sim times do not count as real race results This Monday Not So Live starts with the HYROX regional championship requirement that you prove you're actually from the region, and the big twist for Americans: it is not "show your license," it is "bring a passport or certified birth certificate." From there the episode bounces through passport culture differences, studio upgrades, and a surprisingly smart Spartan move, DEKA Discovery activations at Spartan festivals that funnel muddy OCR people into fitness racing. The second half is the real meat: Phoenix judging. Cheryl and Dave lay out why the Elite 15 backlash feels louder this time, from wall ball depth calls to sled line penalties that look impossible to judge from the assigned position. They argue HYROX is trying, but the sport is now too big and too high stakes for anonymous, inconsistent officiating. They want better judge positioning, clearer standards, more tech support, and more accountability. The episode closes with a side quest on mixed doubles and why it is hard to regulate at the elite level, plus Matt's ongoing crusade that sim times are not race results and will never impress him the way a real chipped race does. Listen on Apple or Spotify Support us through The Cup Of Coffee Follow Hybrid Fitness Media on IG