Shows
NZ Guide to Financial FreedomQuick Fire Fitness With PT Jordan Greville"Jordan is a trainer who focuses on building the fundamentals of your fitness first. Solid conditioning is the key to success and longevity. Becoming "Strong Fit and Stable" enables you to do the things you love with immense confidence both at work and at play, Jordan is dedicated to injury prevention and longevity. He will balance your body, attacking your fitness goals, and go the extra mile to support you and your needs throughout the journey. When Jordan's vibrant energy can't be found at the gym, you will likely find him rock climbing, dancing or playing his trusty harmonica." - https://www...2021-06-0817 min
NZ Business OwnersQuick Fire Fitness With PT Jordan Greville"Jordan is a trainer who focuses on building the fundamentals of your fitness first. Solid conditioning is the key to success and longevity. Becoming "Strong Fit and Stable" enables you to do the things you love with immense confidence both at work and at play, Jordan is dedicated to injury prevention and longevity. He will balance your body, attacking your fitness goals, and go the extra mile to support you and your needs throughout the journey. When Jordan's vibrant energy can't be found at the gym, you will likely find him rock climbing, dancing or playing his trusty harmonica." - https://ww...2021-06-0817 min
NZ Guide to Financial FreedomAre ETFs Doomed?Are you making a big mistake investing in ETFs?Is it a bubble?Will you lose all your money?Join Jordan Greville and Ryan Melton as they unravel the mystery of Exchange Traded Funds.Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Your Podcast and Audi...2021-04-2712 min
NZ Guide to Financial FreedomPerson In Need Or Dole-Bludger?If you had to swindle the tax payer out of their money how would you do it?--- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-04-1512 min
NZ Guide to Financial FreedomQF FP P4--- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-04-1310 min
NZ Guide to Financial FreedomIntergenerationally WorthlessIs it possible to instill good values in a child who has it all? --- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-04-1133 min
NZ Guide to Financial FreedomRisky BusinessIf you've got an old insurance policy you might be luckier than you think.--- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-04-0809 min
NZ Guide to Financial FreedomProtecting Against The UnknownAt somepoint shit is going to hit the fan so you can either live with your head in the sand or you can do something about it. This episode won't protect you from the hardships of life because no matter what you do it will still find it's way into your life. But what it will do is show you how to minimise the cost of failure and protect the ones you love.--- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-04-0613 min
NZ Guide to Financial FreedomBuilding Resilience With Dr Sven HansenDr Sven Hansen is the founder of The Resilience Institute. From a medical family, Sven travelled widely and completed two years in special forces before completing medicine. His passion for sport and flow took him into sports medicine where he discovered the power of deliberate, scientific training to secure both individual and team success.After an MBA in 1993, he asked how one could translate and take these ideas to a wider population. Business was the ideal partner. Not only could one reach large numbers of people through one buying centre, but we could also help businesses reduce risks a...2021-04-0448 min
NZ Guide to Financial FreedomNZ’s Most Important AssetWe know about property and shares but is there an asset that trumps them all? Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event--- Send...2021-04-0111 min
NZ Guide to Financial FreedomFinding Your PurposeFinding your why in life is one of the most challenging yet valuable things you can do or as Viktor E. Frankl would say:"A man who becomes conscious of the responsibility he bears toward a human being who affectionately waits for him, or to an unfinished work, will never be able to throw away his life. He knows the "why" for his existence, and will be able to bear almost any "how".”There are going to be moments in your life where you really struggle and if you don't have reason a to suffer you'll fall off th...2021-03-3013 min
NZ Guide to Financial FreedomFirst Home Buying With Greg MoyleThe government is coming after property investors but what about first home buyers?--- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-03-2836 min
NZ Guide to Financial FreedomQuick Fire Finance - Why You Should Never RetireQuick Fire question of the day:"I’m 56 years old and have worked in management for most of my life. I have some bad days but for the most part I like what I do. Now as I approach retirement, I’m starting to think I won’t have enough money to fund it and if I did what would I even do? I’m married, our kids are all grown up and I don’t really have any hobbies.What do your clients usually do? I know I’m not alone because you called it ‘retreading’ not ‘retiring.’Do...2021-03-2511 min
NZ Guide to Financial FreedomQuick Fire Finance - The Divorce Ruined MeMy ex-wife took me for everything I'm worth. How do I make sure it never happens again? --- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-03-2308 min
NZ Guide to Financial FreedomComplex Commercial Disputes With Brent NorlingBrent Norling Director of award winning legal firm Norling Law shares his personal journey and insights for helping bring New Zealand businesses back from the brink of extinction. A simplistic overview of very complex concepts relating to insolvency, restructuring, litigation and most importantly the hidden threat to every business owner trying to artificially stay afloat through the help of government subsidies.Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can...2021-03-2137 min
NZ Guide to Financial FreedomQuick Fire Finance - The Problem With SharesQuick Fire Finance of the Day: "We are a couple in our late 70s and realize that our remaining years on this planet are becoming limited. We live in a freehold home.We agree with your advice(Mary Holm) in The Herald recently to “stick with share-market ups and downs.” However, we consider that this strategy may be more applicable to younger and/or wealthy investors.We have a “mixed” international share portfolio administered by a financial adviser. Current value is reduced to $260,000 following a recent market meltdown. We have experienced a roller coaster “ride” over many years with gr...2021-03-1812 min
NZ Guide to Financial FreedomQuick Fire Finance - Who Is NZ's Best Fund Manager?Quick Fire Finance of the day:"How do you compare various unit funds?I am retired and have several hundred thousand dollars which I’m considering placing in a conservative or balanced unit fund of the type run by most of the major brokers or banks.I have asked for performance data from each of the funds, but it’s not easy to compare who is the best. Have you got any suggestions or the name of a website that does this comparison?Also, the purchase price of the units varies, and I’m not sure whethe...2021-03-1607 min
NZ Guide to Financial FreedomIs The US Economy Doomed?The United States Of America owe close to $30 trillion dollars and print money by the bucket loads. Will their economy survive? Will they even have an economy?--- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-03-1442 min
NZ Guide to Financial FreedomToolkit Of DeceptionYou don't have to go very far to hear the countless horror stories of people being swindled out of their life savings. A fast talking con artist promising wealth and riches for all those foolish enough to take the chance. At least that's what we like to tell ourselves. The reality is no matter how much we like to believe we're free thinkers that, under the right circumstances and persuasion tactics, someone could very well have us doing things we never thought we would. Which is why in this episode I want to flip the script and sh...2021-03-1115 min
NZ Guide to Financial FreedomIs Bitcoin The Next Big Thing?What is it, where is it and how does it work? --- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-03-0911 min
NZ Guide to Financial FreedomDean Anderson & The Problem With 'Index Funds'The CEO of Kernel Wealth, Dean Anderson, started his investment career in the rustling bustling world of the New Zealand Stock Exchange. An experience that shaped the creation and thought process behind what we know Kernel Wealth as today. An up-and-coming company on a mission to shake up the index investing world. A few of the hot topics we covered were crypto currencies, gamestop, and why lower fees are quite what they seem.If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on...2021-03-0741 min
NZ Guide to Financial FreedomQuick Fire Finance - It's Time In The Market Not Timing The Market"I’m self employed and make regular contributions to my KiwiSaver. My KiwiSaver has been losing money recently, which is fine, am in it for the long haul, etc. But I’m wondering whether I should continue to deposit into it when the market is down or wait until it picks up again?"Source: NZ Herald 26th of January 2019 If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help...2021-03-0405 min
NZ Guide to Financial FreedomNext Generation Real Estate With Nathan CantonI’ve always wondered what’s the point of getting a real estate agent in when you can just do it yourself?A common fallacy we all fall into as NZers is this concept of ‘Do It Youself.’ Don’t get me wrong, there are definitely people that are more than capable of doing it all themselves, but they’re the exception not the rule.So, I thought why not invite one of the top agents from Barfoot and Thompson, Nathan Canton, to share exactly why you may be making a mistake.Also, if you're wanting your questio...2021-03-0236 min
NZ Guide to Financial FreedomQuick Fire Finance - Are My Kiwisaver Fees Too High?Does cheaper always mean better?If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event--- Send in a voice message: https://a...2021-02-2808 min
NZ Guide to Financial FreedomQuick Fire Finance - My 20% Risk Free Return"My Sharesies account has been getting a return of 20% every week for two months..."Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business Strategy, Innovation & Leadership Event --- 2021-02-2525 minNZ Guide to Financial FreedomChapter Thirteen: The Dirty Secrets Of The Financial EliteFind Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Your Podcast and Audiobook Edited by NZ Audio Editors.Come To Our Next Business Strategy, Innovation & Leadership EventFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in...2021-02-2304 min
NZ Guide to Financial FreedomThe Future Of Business with Dr Lena WaizeneggeryWe are more connected now than any point in human history and yet we are even more divided. Whatever your political or social views, this is a must listen for any person curious about the impact of digital connectivity and the future of business as we know it today. Dr Lena Waizenegger is true expert in her field with an episode you do not want to miss. Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice:2021-02-2139 min
NZ Guide to Financial FreedomChapter Twelve - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.PDF Version Of The BookAlso, if you're wanting...2021-02-1821 minNZ Guide to Financial FreedomChapter Eleven - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.PDF Version Of The BookAlso, if you're wanting...2021-02-1619 min
NZ Guide to Financial FreedomNZ's No. 1 Speaking Coach Michael PhilpotAre you looking to develop your skills as a leader?There is probably no business leadership skill more important than the ability to speak to an audience of any size.But without speaker training, it’s easy to get caught up in your own insecurities and fears and loose control of yourself, your words and your movements.You can’t hide this from an audience, all they see is someone who lacks confidence and competence ultimately leading to a lack of trust. If people can’t trust you, they won’t want to do business with you, it’s tha...2021-02-1448 minNZ Guide to Financial FreedomChapter Ten - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.PDF Version Of The BookAlso, if you're wanting...2021-02-1107 minNZ Guide to Financial FreedomChapter Nine - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.PDF Version Of The BookAlso, if you're wanting...2021-02-0917 min
NZ Guide to Financial FreedomJemma Ross's Loans For Growing BusinessesThe most important thing for any business owner is managing cash flow and one of the hardest things while juggling all the facets of business is using the right debt vehicle to achieve the right outcome. In an ideal world you wouldn't need it but unfortunately that's not the world we live in. So before you make a mistake too costly to fix I implore you to listen to the insights of business loan expert Jemma Ross from spinach.co.nz Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a...2021-02-0737 min
NZ Guide to Financial FreedomChapter Eight - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.PDF Version Of The BookAlso, if you're wanting...2021-02-0413 min
NZ Guide to Financial FreedomChapter Seven - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.PDF Version Of The BookAlso, if you're wanting...2021-02-0212 min
NZ Guide to Financial FreedomIs Your Bank Screwing You? / Greg MoyleEver wondered what quantative easing, the OCR and inflation have in common? Probably not but you should. These three concept could make or break your financial future. If you're using term deposits as your strategy to combat this you're in big trouble and here's why....Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter 2021-01-3140 minNZ Guide to Financial FreedomChapter Six - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.PDF Version Of The BookAlso, if you're wanting...2021-01-2818 min
NZ Guide to Financial FreedomChapter Five - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want. Also, if you're wanting your question answered on the podcast e...2021-01-2607 min
NZ Guide to Financial FreedomYour Network Is Your Net Worth With Grant FinerAnything significant I have ever achieved in my life has been through the guidance or support of someone else. We’ve all heard the saying your network is your net worth but what are some tactical and tangible ways of utilising this essential resource? Listen as Grant Finer, Principal Connector of Business Strategy New Zealand, shares the skills he's learned from running one of the largest meetup groups in Auckland. Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tool...2021-01-2431 minNZ Guide to Financial FreedomChapter 4 - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.If you're wanting your question answered on the podcast email...2021-01-2108 minNZ Guide to Financial FreedomChapter 3 - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.If you're wanting your question answered on the podcast email...2021-01-1910 min
NZ Guide to Financial FreedomEvery Sole Trader Needs To Hear This From Greg MoyleThe day you start your business is the day you should plan your exit. Sounds a bit strange planning to quit before you even start, but, it's an essential idea to all those brave enough to dip their toes in the world of business. Structuring your business in such a way that it it operates with or without you and having process in place where your money works for you not you for it.--- Send in a voice message: https://anchor.fm/ryanjmelton/message2021-01-1735 minNZ Guide to Financial FreedomChapter Two - The Dirty Secrets of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.If you're wanting your question answered on the podcast email...2021-01-1405 minNZ Guide to Financial FreedomChapter One - The Dirty Secrets Of The Financial EliteFor far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your journey to a better financial future as I show you the psychological tools and financial framework you need to live the life you want.If you're wanting your question answered on the podcast email...2021-01-1204 min
NZ Guide to Financial FreedomVirtual Marketing with Professional Attention Seeker Stanley HenryThe biggest threat to the success of your business is a resistance to change. Sure it’s unpredictable, uncomfortable, and unbearable at times, but, if you stagnate in your rigid view and fight the technological advancements of the world then the resulting effect is undeniable, just look at Blockbuster and Kodak. Whether you believe in social media or not, the trend is happening with or without you. So, the question isn’t whether social media is right for you, but instead, how can you make it right for you? Stanley Henry knows the challenges of change all too well having scal...2021-01-1053 min
NZ Guide to Financial FreedomQuick Fire Finance - Should I Put All Of My Children's Inheritance Into The Auckland Property Market?Quick Fire Finance Of The Day:"My two children (now 23 and 21) were incredibly lucky to inherit $100,000 each in 2012. We looked at Auckland investment property and felt things were so hot it might fall over at any minute. Boom crash wallop — and their money would be halved.As we now know, I could have quadrupled it. It’s not too bad of course, they have the money which has sat untouched in term deposits ever since. But it could have been so, so much better.Any advice that will make me feel less of an idiot will be warm...2021-01-0707 min
NZ Guide to Financial FreedomQuick Fire Finance - As A Contractor Should I Contribute To Kiwsaver In Bulk? / Ryan J MeltonQuick Fire Finance Of The Day:"I recently inherited some money when my mother died. I am soon to turn 54 and am mortgage-free.Is putting a bulk sum into Kiwisaver a good idea? My contributions have been intermittent as I am a contractor."Source: 29th of September 2018 NZ HeraldAlso, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and S...2021-01-0505 min
NZ Guide to Financial FreedomRelationship Property Problems With Greg MoyleTime and time again we see family's financial wellbeing fall apart because of a poorly structured estate. If you've repartnered, have kids from a prior relationship or just want to upskill your understanding to help those around you, then this episode is for you.If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan...2021-01-0347 minNZ Guide to Financial FreedomQuick Fire Finance - Take it or Leave it?"We are into our 70's and are wondering whether we should draw down on our kiwisaver, and if so what should we do with the money?"Jordan quizzes Ryan this week on this very question on the latest episode of The NZ Guide to Financial Freedom.Source: NZ Herald--- Send in a voice message: https://anchor.fm/ryanjmelton/message2020-12-3107 min
NZ Guide to Financial FreedomQuick Fire FInance - Is $100,000 enough for my retirement?So, "is $100,000 in Kiwisaver enough to retire with in New Zealand?"Listen in as we discuss the in's and the out's of this question on todays installment of Quickfire Finance, NZ Guide to Financial Freedom.Source: NZ Herald--- Send in a voice message: https://anchor.fm/ryanjmelton/message2020-12-2905 min
NZ Guide to Financial FreedomTerrorism and Money Laundering With Daniel RogersAnti-Money Laundering (AML) compliance is steadily draining expertise from the pool of available resources with increased regulatory expectations seen as the biggest resourcing challenge in the years ahead. Shortages of trained staff and technology concerns have become widespread challenges across the industry. Throughout Daniel Roger's career he has managed global trade and transaction banking relationships with multi-national clients, top tier corporate clients including both local and foreign Government entities. This has developed a strong understanding of AML and Counter Financing Of Terrorism (CFT) regulations and the impact these regulations have on day to day business operations. Acknowledging these impacts while ens...2020-12-2739 min
NZ Guide to Financial FreedomQuick Fire Finance - Should I Pay Off My Mortgage Or Contribute To Kiwisaver?I'm almost 65, I have 140k in Kiwisaver and a 183k mortgage. Can I withdraw my Kiwisaver early to pay it off?If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Your Podcast and Audiobook Edited by NZ Audio Editors. Come To Our Next Business...2020-12-2407 min
NZ Guide to Financial FreedomQuick Fire Finance - How Do I Optimise My Kid's Kiwisaver?Solo mum reaches out for guidance on future proofing her children's Kiwisavers.--- Send in a voice message: https://anchor.fm/ryanjmelton/message2020-12-2206 min
NZ Guide to Financial FreedomWill Sharsies And Hatch Contribute To The Next Stock Market Crash?I'm really worried about this generation of Hatch and Sharsies investors as their behaviour is so similar to that of the stock market crash in 1987. The Crash by Liam Dann in the NZ Herald describes it well: “It all happened too quickly,” says Des Hunt, a longtime investor and founding member of the NZ Shareholders Association. “What surprised me and frightened me was that everybody thought that it was easy to make money, so they were buying shares on the assumption they’d go up automatically, with little research,” he says. “There was nothing behind the businesses in some cases. I think the...2020-12-2034 min
NZ Guide to Financial FreedomQuick Fire Finance - My ASB Kiwisaver Lost me $20,000!Quick Fire Finance Of The Day:"After retiring last year, in June this year I moved all of my savings into ASB KiwiSaver. I chose a balanced fund to mitigate risks. I have now lost a considerable sum of money. I put in $666,430, and it’s now $641,136. I’ve made no further contributions or withdrawals.I fear that I will never recoup this loss and I may continue to see my savings disappear.I searched for a cause for such massive losses and found an article stating that ASB KiwiSaver invested in CBL insurance, and that this has...2020-12-1707 min
NZ Guide to Financial FreedomQuick Fire Finance - Big Mistake By Famous New Zealand JournalistThe challenge we often face in planning for our retirement, is knowing the difference between good and bad advice. In this case, NZ's favourite financial journalist Mary Holm had a slip up that could have cost a person their financial livelihood and it went like this:Question: "I have $200,000 to invest for my retirement. I am 70. Should I look at a fund or should I just buy a spread of shares myself?"Mary Holm's Answer: "You’ve got enough money to buy a wide range of shares, so you could do it yourself. Here’s how I sugges...2020-12-1508 min
NZ Guide to Financial FreedomCOVID Proof Your Business with Digital Expert Jason GreenwoodJason Greenwood (Founder - Greenwood Consulting) has contributed to the success of some of the biggest players in eCommerce and digital retail for 20+ years.Covid has thrown a huge spotlight on the digital capabilities and cracks in businesses, large and small. Many have realised they simply are not prepared for digital commerce as their primary go to market model.Greenwood consulting helps well funded startups and mid-size+ businesses address these issues and supports them as they seize this opportunity to re-imagine themselves from the ground up for the digital age Also, if you're wanting your question answered on...2020-12-1350 min
NZ Guide to Financial FreedomQuick Fire Finance - My Term Deposit Rate Sucks, What Can I Do Greg Moyle?Quick Fire Finance of the day:"I am 68, semi-retired with an income of $40,000 from part-time work plus my NZ Super and $500 per week from an apartment I own mortgage-free.I have $250,000 in term deposits and would like to use this to bring in some sort of income for when my part-time job ends. Clearly term deposits are not going to do that for me.My options seem to be:· Invest the money in some sort of fund that will give me a reasonable return to add to my pension and rent income.· As I ha...2020-12-1013 min
NZ Guide to Financial FreedomQuick Fire Finance - What Do I Do With My Mortgage Greg Moyle?Quick Fire Finance of the day:"I am (finally) debt-free in my mid 50s and own my Auckland home, but I have very little saved for retirement. If I sold and moved pretty much anywhere else in New Zealand I could retire tomorrow. But I don’t want to move!Rather than close down my mortgage against my home I’ve kept it in place, with a revolving credit mortgage (approximately 20 per cent of the value of the house) available to me at standard mortgage rates.What are your thoughts on drawing on this existing facility if I...2020-12-0812 min
NZ Guide to Financial FreedomVideo Presentation Coach John MayburyEvery New Zealander has the opportunity to make an impact. To share a concept that influences the masses. Point and click. A skill born and nurtured from two concepts: math and art. The mathematics of what converts and the inspiration of a well executed creative. We all have the opportunity but very few have the ability. That's why we are very fortunate to have video guru John Maybury break down the key styles to convert, inspire, and retain potential buyers into becoming a long term clients.Also, if you're wanting your question answered on the podcast email me at ryan...2020-12-0642 min
NZ Guide to Financial FreedomQuick Fire Finance - When Does The Government Stop Contributing To My Kiwisaver? / Greg MoyleQuick Fire Finance of the day:"Having now reached 65 and receiving superannuation payments whilst still employed, I’m seeking confirmation that the government’s annual KiwiSaver contribution of $521 ceases from my 65th birthday.Is there any point in continuing my minimum payment of $1043 to get the tax credit? Is there pro-rated payment from July 1 till the time you celebrate your birthday?Would be most grateful if you are able to clarify the situation."Source: NZ Herald 27th Of October 2018Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz...2020-12-0307 min
NZ Guide to Financial FreedomQuick Fire Finance - The Pros & Cons Of Using A Financial PlannerYou can bail me up about this because it's incredibly bias. What I say to counter that is many listeners don't even know what a financial planner is or if it's worthwhile even talking to one. So I thought I'd take this moment to explain the different types and what to look for.Also, if you want your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book a...2020-12-0106 min
NZ Guide to Financial FreedomHost Of NZ's No. 1 Business Podcast Ed McKnightI first came across Ed and the team at Opes when searching for ways to upskill in the property space because the first word anyone seems to learn in this country is p p p p rroooperty. I needed a quick and engaging way to learn the ways of the P. So I looked around but good lord there is a lot of boring shit and poorly constructed sales pitches. They were the exception. Andrew Nicol and Ed McKnight from the Property Academy Podcast seem to get it.Good value in short chunks shared every day. Check it out...2020-11-2948 min
NZ Guide to Financial FreedomQuick Fire Finance - Why Is Compounding Interest So Good?Quick Fire Of The Day:"I understand that the $521 annual government contribution is worth it. But if that’s the maximum from the government for self-employed, how could they end up with $150,000 from their $100,000 of contributions?Wouldn’t it take almost 100 years contributing to get that $50,000 from the government at $521 a year. And who’s going to work for that long? Or am I missing something here? Can you please explain?"Source: NZ Herald 12 September 2020For those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice...2020-11-2607 min
NZ Guide to Financial FreedomQuick Fire Finance - Are Kiwisaver Withdrawals Taxed?Quick Fire Finance Of The Day:"Are withdrawals from your KiwiSaver taxable, and added to your NZ Super as income, increasing your tax rate?"Source: NZ Herald 12 September 2020For those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Your Podcast and Audiobook Edited by...2020-11-2406 min
NZ Guide to Financial FreedomGet What You Want Out Of Business & Life with Debra Chantry-TaylorWould you pursue something that had a mere 30% success rate?Better yet, would you try learn a completely new skill from scratch without a coach?If you answered yes to both then you’re potentially like me and have a chip on your shoulder so take the hard route just to prove a point.That would be a mistake.If there’s one thing I’ve learned in life, it’s that you don’t know what you don’t know, so you better find someone in the know so you can start knowing things quicker.Apart f...2020-11-2237 min
NZ Guide to Financial FreedomQuick Fire Finance - Where Did All My Money Go? / Greg MoyleQuick Fire Finance of The Day:"I invested $5,000 in a crowd-funded start-up company in 2016 with the knowledge that I could well lose the money but also with high hopes that it would pay off. The company has gone into liquidation with no acknowledgement or notice to investors (apart from the obligatory Gazette notice — who reads those on a daily basis?). I learned of the company failure via a NZ Herald news article.I have submitted an (unsecured) creditor’s claim form but received no acknowledgement or update from the liquidator who, in this case, has a conviction for tax...2020-11-1913 min
NZ Guide to Financial FreedomQuick Fire Finance - How To Invest $12,000 In The New Zealand Share Market With Greg MoyleQuick Fire Of The Day:"My husband and I would like some direction on what to look for when investing $12,000 in the NZ share market. Our objective is to sit on the shares and hopefully maximise returns by the time we retire in 15 years, either through share price growth or dividends.The problem is most advice on “growth” shares has a one to three-year horizon, not our longer term — which I understand is the ideal 10-plus years to ride out the highs and lows.We have a well-diversified portfolio of ten NZX companies, across industries, with about $5000 in eac...2020-11-1716 min
NZ Guide to Financial FreedomBecome A Thought Leader With Verity CraftThere’s an emerging concept you need to know and it’s this idea of becoming a ‘thought leader.’ We all know a person we respect and admire for their knowledge in a chosen discipline. The challenging hurdle we must overcome is what aspect of our experience and understanding could we be a leader in?Are we allowed to see ourselves as a thought leader?How much experience do you need before people will actually listen to you?Luckily these days with the ability to reach an audience at scale, with next to no costs, all you need is t...2020-11-1541 min
NZ Guide to Financial FreedomQuick Fire Finance - The Power Of Small Cap StocksQuick Fire Finance Of The Day:"When our elder son was born in 1988 we were living in the UK and started a £30 per month investment into a unit trust. It was a moderate-risk UK smaller companies fund. It has been a good but not top flight performer.We maintained contributions until early 2015, so have invested under £10,000. The current value, despite Covid is £60,700.I don’t have the Excel skills to work out the average annual rate of return, but it is certainly single figures. Income was reinvested.UK unit trusts have lower charges than most NZ funds...2020-11-1206 min
NZ Guide to Financial FreedomQuick Fire Finance - They Tried Stealing My MoneyQuick Fire Finance Of The Day: Are My Amazon Shares A Scam?Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or connect with me at:· Free Book & Training Masterclass For Achieving Financial Freedom In New Zealand.· How To Book An Appointment With Us.· Subscribe To My Weekly Newsletter.· Have Your Podcast and Audiobook Edited by NZ Audio Editors.· Linkedin.· Tik Tok.· Next Business Strategy, Innovation & Leadership Event. · Instagram.· Facebook.· Youtube. --- S...2020-11-1006 min
NZ Guide to Financial FreedomRecruitment Animal Peter 'The Lynx' StewartLeadership isn’t a title that can be given it’s a perception that must be earned. A narrative all too common in any organisation where the wrong person is given the right job. A metaphoric dead branch that on the surface is contributing to the efficiency of the office but internally is slowly rotting the culture from the inside out. An issue only rectified by hiring the right person for the right job. Yeah ok…but how? It starts by listening to the insights of our guest, Peter Stewart, the Managing Director of Lynx Recruitment and his ‘Seven-Step Recruitment Process...2020-11-0836 min
NZ Guide to Financial FreedomQuick Fire Finance - What Would You Do With $1 Million?Quick Fire Finance Of The Day:"I am 72 years of age and have a KiwiSaver account that I took out about four years ago and contributed to for a few years and then ignored. It’s been inactive ever since. I think it I opted for the aggressive growth fund if there’s such a thing?I have nearly $1 million sitting in a bank at some ridiculous interest rate — maybe 1 per cent or something.Basically I am financially lazy and irresponsible. This Covid 19 situation and all the “speak” about security of investments, falling interest rates, stock market free-fall...2020-11-0516 min
NZ Guide to Financial FreedomQuick Fire Finance - The Death Of Resthome ProtectionQuick Fire Question of the day: will a trust protect me against the government? --- Send in a voice message: https://anchor.fm/ryanjmelton/message2020-11-0306 min
NZ Guide to Financial FreedomThe Four Styles Of Influence With Allison MooneyWe all know that glum person at work who shuts down any good idea and gossips behind your back or that overbearing boss with unrealistic expectations and no sense of what it takes to get the job done. Whoever or whatever archetype of person you meet has the ability to make or break the culture of any business. So, if you're wanting a mental mindmap and formula for connecting with nearly every type of person then this epsiode is worth a listen. Our guest Allison Mooney is a professional people interpreter and world renowned speaker. Whose combination of wit, humour and...2020-11-0139 min
NZ Guide to Financial FreedomQuick Fire Finance - Hacking Your MortgageQuick Fire Question Of The Day: "I’ve been thinking about dollar cost averaging in relation to mortgage rates.I wonder if one split their mortgage into say four chunks, each coming up for renegotiation every six months, would they then be guaranteed to beat the averages?"Source: NZ Herald 29th of August 2020Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or connect with me at:· Free Book & Training Masterclass For Achieving Financial Freedom In New Zealand.· How To Book...2020-10-2905 min
NZ Guide to Financial FreedomQuick Fire Finance - Success Isn't Always Sunshine & RainbowsQuick Fire Question Of The Day:"I have approximately $1.5 million in the bank.I have had nothing but trouble and worry with money throughout my life. I invested in mortgages with lawyers, who stole one million dollars from me. I had money invested in Equiticorp in debentures, and I lost that money because Hawkins went bankrupt.I was then ripped off by another lawyer, who I loaned money to. I even lost interest for about eight years with a bank who would not return this money in Australia. I loaned money to a real estate agent, who...2020-10-2712 min
NZ Guide to Financial FreedomThinking Strategically With Chartered Accountant Murray PhillipsBusiness can be a very lonely endeavour where the difference between success and failure is a willingness to be better than what you were yesterday. To work on your business not just in it. To work smarter not just harder. This is why I asked Murray Phillips the Director of Insight CA to come back and share a more in-depth explanation of what’s needed to run an effective company. Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or connect with me at:· Free...2020-10-2532 min
NZ Guide to Financial FreedomQuick Fire Finance - To Property Or Not To Property? / Greg MoyleQuick Fire Question Of The Day:"I am 40 this year, a single mum with young kids and have been bad with money until three years ago.Since then, I have invested in KiwiSaver and in two ETFs (exchange traded funds), one international and the other local. With a frugal lifestyle for the last three years and these investments I have managed to save about 5 per cent for a $750,000 house.I am based in Auckland and unlikely to move as my current employment pays me well. I rent a small place to save, but as my kids grow...2020-10-2206 min
NZ Guide to Financial FreedomQuick Fire Finance - Is It Safe To Have All My Money In One Kiwisaver?Quick fire question of the day: "My husband and I are in our late 60s and we have the bulk of our savings, over $500,000 each, in a moderate KiwiSaver account with the same bank.Is it crazy for us to use the same provider, putting all our eggs in one basket? What do you think?" Question Source: NZ Herald 29 August 2020. Audio edited by: www.nzaudioeditors.com/. Once again for those wanting their question on the podcast email me at ryan@oneplan.co.nz, send a voice message below or connect with me at:· Free Financial Freedom B...2020-10-2005 min
NZ Guide to Financial FreedomWhat Would You Do If You Only Had Nine Months To Live? / Greg MoyleWe act as though we'll live forever but what if we don't? It's a sad truth that no-one wants to talk about but everyone needs to. In this case we hear the story of a young New Zealander dealing with the aftermath of a terminal prognosis. A story that hits close to home for Greg Moyle as he nursed his late wife throughout her final seven years of life. Although hard at times we still love to answer your questions so send them through to ryan@oneplan.co.nz or connect with me at:· Free Financial Freedom Book...2020-10-1820 min
NZ Guide to Financial FreedomQuick Fire Finance - The Value Of Advice / Greg MoyleNaturally, we're going to be a bit bias on this issue given our background, but the idea stems from a study completed by the largest passively managed fund in the world, Van Guard, that found advisers add 3% to a fund's performance. There are definitely people that are better off doing it themselves but this episode is for those on the verge of making an irreversible mistake with their money or who just want to live the life they want without having to get nose deep in the world of finance. Once again for those wanting their question on the p...2020-10-1510 min
NZ Guide to Financial FreedomQuick Fire Finance - How Much Do You Need To Retire? / Greg MoyleThe quick fire finance question of the day:"My latest KiwiSaver statement projected a balance of $253,000 when I’ll turn 65 in 14 years, allowing about $200 per week.I thought that sounded positive, until I went to ANZ’s KiwiSaver calculator, which said that for a comfortable life I would need about $1.65 million, or $1,190 per week (cash, after housing) — about twice what I can expect from combined KiwiSaver and NZ Super.A back of the envelope calculation shows that this weekly cash is much higher than what one gets from NZ’s median income. Is it reasonable to assume that we...2020-10-1306 min
NZ Guide to Financial FreedomInfluence & Inspire The Hearts & Minds Of Those Around You / Andrew HoggardThere are very few moments in life where you meet someone that practices what the preach. That purely through the action of existing they have the power to influence those around them. Our guest for this week’s podcast, Andrew Hoggard, is one such individual. Whether it be selling a 200k product that he knew nothing about, changing the lives of suicidal teens, or impacting corporations to sell from the heart, Andrew has left a trail of influence everywhere he’s went. So, any of you wanting to learn how to ethnically influence and inspire others, then this is the podc...2020-10-1153 min
NZ Guide to Financial FreedomQuick Fire Finance - When Is Enough Enough? / Greg MoyleQuestion answered in today's Quick Fire Finance episode: "I read with interest the correspondence on “how much is enough” to retire on. It seems some people expect to live in a way that exceeds most of us during our working lives!A major key is home ownership of course. Without that or a comfortable motor home perhaps, all bets are off.At 85, with a debt-free house and by myself in Auckland, I find that NZ Super covers my everyday costs including rates and car, with a very small other income to handle any extras — but that’s often add...2020-10-0806 min
NZ Guide to Financial FreedomQuick Fire Finance - Is Your Trust Safe? / Greg MoyleVery few people want to hear about finance but everyone should because if we collectively upskill as a nation, then all our lives could be considerably better. With that in mind, it’s with great pleasure that I introduce to you the first episode of Quick-Fire Finance. A series where we share as much value as we can muster in the shortest amount of time. With the first question of the series:“Being recently retired, with savings invested in a family trust, we’re concerned whether new trust laws coming in next year mean we will have to tell family...2020-10-0607 min
NZ Guide to Financial FreedomWhat Happened To Your Childhood Dreams? / Grant WyattPeople are in a perpetual zombie like state. Pushed through the factory of security and safety. Assembled in the lobby of forgotten dreams. How long will you wait for that 'perfect moment' to live a life worth living not just enduring? I must admit this podcast went to the dogs when we got caught up in a fit of laughter but it just rammed home the distinction between thriving and surviving. Our guest Grant Wyatt the Human Resources Director for one of the largest FMCG companies in the world shares his life journey and strategy for inspiring a disengaged work force...2020-10-0437 min
NZ Guide to Financial FreedomGreg's Passion To Keep Their Memory AliveWhat drives a man to acquire the country's largest private collection of military art? Many of our long standing listeners will know our very own, Greg Moyle, is a retired Major. His experience in basic training and stint in East Timor for the United Nations had a profound effect on his values and perspectives. This combined with the positive influence of a NZ art teacher started his 40 year journey. Photo Source: National Collection of War Art, Archives New Zealand Reference: AAAC 898 NCWA 309Artist: Peter McIntyre--- Send in a voice message: https://anchor.fm/ryan...2020-09-2723 min
NZ Guide to Financial FreedomHow To Make A Business Beautiful With Colart MilesWill our children live in a world you're proud of? Will you look back with admiration knowing you helped shape their present? It's a hard pill to swallow knowing the doors to a better future could be closing in. That if we don't do something now, it could be too late. This idea stems from a businessman's mindset and a Father's love. That businessman and our guest, Colart Miles, has a far from ordinary story that will have you on the edge of seat. So join us as we discuss life in a war torn country, the 4Ps for a bet...2020-09-2046 min
NZ Guide to Financial FreedomWhat Stands Between You & A Better Future? / Greg MoyleBehavioural finance is one of the most neglected and misunderstood aspects of investing. Many chase wealth and returns with no real comprehension of the underlying drivers that lead some to success and many to failure. It's about time we talk about it.--- Send in a voice message: https://anchor.fm/ryanjmelton/message2020-09-1327 min
NZ Guide to Financial FreedomNZ Wage Subsidy Not What It Seems / Duncan CoatsEmployment Law specialist of www.lojo.co.nz and all round good bloke, Duncan Coats, sharing why the wage subsidy isn't all sunshine and rainbows. That if you aren't ticking the right boxes you could face the scrutiny of a government induced audit, but, more importantly, what you should be doing ahead of time to make sure your heads not on the chopping block.--- Send in a voice message: https://anchor.fm/ryanjmelton/message2020-09-0646 min
NZ Guide to Financial FreedomThe Pros & Cons Of Buying Property TodayThese days climbing the property ladder feels closer to falling. Increasing tax obligations, no negative gearing, more rights for tenants, and worst of all leaky homes. If you’re using rental property as your avenue for achieving financial freedom you need to go in with your eyes open or at the very least get Greg Moyle’s ‘property for the now’ prescription from this week’s episode.Also, if you’re wanting to increase your financial understanding in a way that won’t put you to sleep then our free NZ Guide To Financial Freedom Toolkit is here to help.2020-08-3030 min
NZ Guide to Financial FreedomChelsey Ritson's Social Media Marketing BlueprintThe biggest threat to the success of your business is a resistance to change. Sure it’s unpredictable, uncomfortable, and unbearable at times, but, if you stagnate in your rigid view and fight the technological advancements of the world then the resulting effect is undeniable, just look at Blockbuster and Kodak.Whether you believe in social media or not, the trend is happening with or without you. So, the question isn’t whether social media is right for you, but instead, how can you make it right for you?A good first step would be to list...2020-08-2342 min
NZ Guide to Financial FreedomTechnology Killed The Complacent Business Owner“Without tradition, art is a flock of sheep without a shepherd. Without innovation, it is a corpse.”- Winston Churchill.Behind every great hardship is an opportunity. An opportunity to be better than you were yesterday. A motivation to be more than you are today and the focus to execute on a greater tomorrow. An execution that starts with a strategy. A strategy brought to us by none other than this week's podcast guest Anthony McMahon.An experienced IT Professional who uses factual stories to influence how companies approach their technology. Anthony has successfully led transformation activities for embed...2020-08-1639 min
NZ Guide to Financial FreedomThey Took Me For Everything I HadAn insider could halve the value of your property and steal your children's inheritance. Every morning you're looking into the eyes of someone you love as they quietly scheme your future down fall. What can you do? What shouldn't you do? And why you should do it regardless.--- Send in a voice message: https://anchor.fm/ryanjmelton/message2020-08-0931 min
NZ Guide to Financial FreedomDaniel Leviathan's Secrets To SuccessThe story of Daniel Leviathan is far from a straightline. Starting off as a 12 year old who didn't know how to read or write, he later got a job selling ice cream at 17, and worked his way up to the head of strategy of a multi-million dollar business with 400 employees.At the ripe age of 21, he was leading the Innovation & Artificial Intelligence department in the Israeli intelligence Corps.He was named by Forbes magazine as one of the 30 most influential people in Israel under the age of 30.At the top of his...2020-08-021h 34
NZ Guide to Financial FreedomThe Future of VoiceTime and convenience are the two fundamentals of which all great products are based. Does it make your life better and will it get things done quicker? Just reflect on how awful your working life would be if your computer reverted back to dial up.Enough said. Time is money and money saves time. So the question becomes where will the next big technological advancement come from? My guess is voice and in this episode we'll explain why.Guests: Jordan Greville, Managing Director of NZ Audio Editors https://www.facebook.com/nzaudioeditors/ and2020-03-2239 min
NZ Business OwnersThe Future of Voice / Jordan GrevilleTime and convenience are the two fundamentals of which all great products are based. Does it make your life better and will it get things done quicker? Just reflect on how awful your working life would be if your computer reverted back to dial up. Enough said. Time is money and money saves time. So the question becomes where will the next big technological advancement come from? My guess is voice and in this episode we'll explain why. Guests: Jordan Greville, Managing Director of NZ Audio Editors https://www.facebook.com/nzaudioeditors/ and Ryan J Melton.
Once again...2020-03-2239 min
The Rouge Ones- Love Lust and LifeHow to Pretend to be a Musician until your a Musician. Ft JordanThe harmonica and music story. Well worth a listen. --- Send in a voice message: https://anchor.fm/therogueones/message2019-06-1830 min
The Rouge Ones- Love Lust and LifeJordan fly solo to reflect on sexy mishaps..Time to ponder other's funny sex stories!--- Send in a voice message: https://anchor.fm/therogueones/message2019-04-0917 min