I've been diving into a lot lately quirky topics lately in my spare time, from personal finance basics to exploring the new AI tools soon to change the world. As it relates to investing, one struggle I've faced is balancing academic, practical, and future perspectives in investing and finance. Traditional finance, centralised around banks, hedge
As an advisor, one of my job I genuinely enjoy is to learning international financial markets. The fall of the US dollar as the world's reserve currency is a topic that has recently caught my attention again, as it has from time to time. In this post, I'll explain what's causing this downturn, what it
Glossary: NFT: An NFT, or non-fungible token, is a unique digital asset that is stored on a blockchain and represents ownership of a specific item or piece of content, such as art, music, or videos. Another phrase hopefully adopted for this type of asset, is 'digital property rights'. Bitcoin: A decentralized digital currency that uses
We earn a living when we exchange our time and use of our capital for currency. We pay taxes, cover our essentials, and then we have a choice between living in the moment or making provision for the future. During this January, I've had a couple of weeks off and I've been thinking about work
By Darcy Ungaro The following Christmas message has been generated by an AI-powered chatbot... As the Christmas season approaches, we wanted to take a moment to thank you for your continued trust and partnership with our firm. We understand that managing your finances can be a daunting task, and we are grateful to be able
If you have kids born between the mid-to-late 1990s and the early 2010's, you may be somewhere in the zone of watching them transition out on their own. These digital natives were the first generation to grow up with access to technology, and being online before being able to read or write was normal for them. Because
The Zombie-Apocalypse Portfolio is a collection of investments that include exposure to alternative investments that also work as forms of money. Crypto, start-ups, fine art and precious metals like gold and silver are examples of alternative investments. In my younger years I’d listen to ‘alternative’ music like Fugazi, Pixies, screaming trees, Nirvana. In a way,
There's nothing more annoying than just the news. So here's the news the news first, for what it's worth, the OCR has increased by 0.75%. We are now at a level we haven't been since around 2008. Why is the OCR important? This 'official' interest rate that the Reserve Bank of New Zealand sets, indirectly
Imagine someone comes up to you with a challenge: I’ll give you a life of fame and everything you want, so long as you can make $32b vanish. My favorite Richard Pryor movie in 1985 was Brewsters Milllions. A minor league baseball player Brewster, who stood to inherit $300m if he successfully fulfils a condition
Making pickles and investing is the same thing. I shall explain. When we work, we convert our ‘value’, into income. Investing preserves our value or our income earnt today, but didn’t spend, so that tomorrow’s world is taken care of. When we invest, we have to invest through a medium though, or conduit if you
