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Speaker 1: You're listening to a podcast from News Talk zed B.

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Speaker 1: Follow this and our wide range of podcast now on iHeartRadio.

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Speaker 2: Hello are you great New ZEALANDERSZA. It is the twenty

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Speaker 2: seventh of November, in the Year of Our Lord, twenty

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Speaker 2: twenty four. I believe it's a Wednesday. We had a

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Speaker 2: fantastic show today on Matt and Tyler afternoons on z B.

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Speaker 2: I'm really struggling to remember the first.

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Speaker 3: Hour Solar so there was.

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Speaker 2: A great chat. We went deep into solar energies. Solar

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Speaker 2: zero has gone into liquidation, but we've got so many

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Speaker 2: stories about solar energy and how well it works for people.

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Speaker 2: A few gremlins here and there, but it was a

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Speaker 2: very very interesting chat. I felt like I learned a

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Speaker 2: lot and I'm actually pretty excited about one day getting

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Speaker 2: solar pekah.

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Speaker 4: Yeah.

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Speaker 3: A lot of battery chat, a lot of panel chats.

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Speaker 2: So much bettery in panel chat. And then we went

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Speaker 2: into OCR right, which was dropped down to four point

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Speaker 2: two five down fifty basins points, and we had a

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Speaker 2: bit of mortgage chat and around whether you should negotiate

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Speaker 2: with the bank is South or go through a broker

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Speaker 2: and look of just looking at a text. You're disappointed

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Speaker 2: at the tone of the discussion, to be honest, So

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Speaker 2: if you're looking to be disappointed, you might be rewarded.

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Speaker 3: Yeah. Over the next st we did down a couple

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Speaker 3: of notches, but you know.

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Speaker 2: Yeah, I mean, I'm not sure if that was our

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Speaker 2: chat with Matt Henry because we talked to him at

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Speaker 2: the end of the show ahead of the first test

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Speaker 2: down at Hackley over against England. Yeah, it was so

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Speaker 2: great to talk to that mister Darcy. What a great

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Speaker 2: New Zealander he is. So let's get straight into it.

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Speaker 2: A couple of hours of quality talk back radio. Give

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Speaker 2: him a taste of KIWI.

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Speaker 5: Talking with you all afternoon.

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Speaker 1: It's Matt Heath and Taylor Adams afternoons New for twenty

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Speaker 1: twenty four News Talk said, be.

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Speaker 3: Good afternoons you welcome in. So Wednesday met in Tyler

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Speaker 3: with you until four pm.

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Speaker 2: Geto, Maddie, Yet, I have got a question for everyone

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Speaker 2: and look come through on nine two nineteen. And this

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Speaker 2: is not the major topic we want to talk about this,

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Speaker 2: but last night my partner she threw out about five

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Speaker 2: of my t shirts. She said that they stink and

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Speaker 2: they won't come back. Is it true that there's certain

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Speaker 2: T shirts that you just can't bring back, that they

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Speaker 2: just get so stinky. And you'll be a testament to this. Yesterday,

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Speaker 2: Tyler that I was a bit stinky. It was pretty bad,

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Speaker 2: pretty bad, yeah, and I had a showered under arm,

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Speaker 2: but it was just the T shirts had some residual

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Speaker 2: stink in it. Is that true? There's just T shirts

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Speaker 2: you can't bring back.

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Speaker 3: Well, maybe for you, mate, I'm pretty sure just a

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Speaker 3: good wash gets most sins out.

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Speaker 2: Well, these T shirts are getting washed, Tyler. I'm not

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Speaker 2: wearing them multiple days in a row. They're going through

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Speaker 2: the washing cycle. But in her defense, I mean I

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Speaker 2: smelt them, and they and the pits, even the ones

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Speaker 2: that have just been washed, smelt bad, and in her eyes,

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Speaker 2: they had to go and so they're all in the rubbish.

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Speaker 2: Now is this true?

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Speaker 6: Well?

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Speaker 2: Is that she she just trying to get rid of

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Speaker 2: them because they're a bit ratty?

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Speaker 3: How old were they? Because if you get the permanent

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Speaker 3: stains underneath the underarm, well then even if it's your

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Speaker 3: favorite T shirt, you should probably be asking questions about

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Speaker 3: about that. At that point, I think even you know,

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Speaker 3: one hundred percent bleach wouldn't get that out.

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Speaker 2: Yeah, yeah, is that true? Okay?

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Speaker 3: Now, alright, have you got an answer to that one?

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Speaker 3: Right on to the show today after three o'clock.

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Speaker 2: Cam Art sales approaching one billion in New Zealand, profit

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Speaker 2: up over fifty percent in the last year, and we're

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Speaker 2: deep into Black Friday sales and we're coming up on Christmas.

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Speaker 2: So people are going to be spending a lot of stuff,

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Speaker 2: spending a lot of money on stuff, on objects, on things.

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Speaker 2: But studies have shown that experiences leave last lasting memories

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Speaker 2: and people are generally overly more satisfied over time with

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Speaker 2: an experience than they are with an object. Definitely the

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Speaker 2: kind of thing that you're buying spending one billion dollars

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Speaker 2: a year on at kmart. So is that the case?

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Speaker 2: And what experiences have you bought for people? What experiences

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Speaker 2: should you buy for people? And should we be moving

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Speaker 2: our money from objects that will end up in landfill

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Speaker 2: and end up just filling our houses. And the Buddhist

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Speaker 2: concept of your objects owning you eventually what your own

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Speaker 2: owns you into experiences that create memories and times with

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Speaker 2: other people.

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Speaker 3: I love that at the moment we don't have a

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Speaker 3: telly in the place that we're staying up up here

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Speaker 3: in Auckland and Telly's down in christ Church. But I

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Speaker 3: even got it up here. But may if my partner

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Speaker 3: wants to buy a new Telly. But I'm looking at

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Speaker 3: that money and thinking I'd far rather put that towards

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Speaker 3: a nice holiday in Northland, thank you very much. I

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Speaker 3: don't need a Telly.

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Speaker 2: Yeah, and it doesn't have to be a holiday. It

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Speaker 2: could be a skydive as my nephew got my brother

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Speaker 2: in law the other day. Or it could be a

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Speaker 2: trip around your city.

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Speaker 1: You know.

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Speaker 2: Last year I got given tickets to walk up ruing

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Speaker 2: your toto and that was awesome with.

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Speaker 3: A tour guide.

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Speaker 2: No, you just go over on the ferry and and

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Speaker 2: you walk up. It's like go to Mars over there.

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Speaker 2: It's incredible. That's an experience that that you that you remember,

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Speaker 2: and it's more significant then. I don't know what it

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Speaker 2: could have been that I could have been given. I

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Speaker 2: could have been given a candle or something.

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Speaker 3: I don't know.

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Speaker 2: You know, our experience is better than objects.

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Speaker 3: Yeah, there's going to be a good shot after three o'clock.

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Speaker 3: After two o'clock we're going to catch up with Liam

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Speaker 3: Dan because it is ocr day. The big expectation is

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Speaker 3: a fifty basis point drop to the official cash rate.

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Speaker 3: But we're also going to ask the question, how do

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Speaker 3: you get the best rate from your bank? And I'll

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Speaker 3: say this is my mortgage is coming up and it

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Speaker 3: starts to float on December the eighth, So I'm right

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Speaker 3: bank at the best point, I think, and you're in

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Speaker 3: a similar position.

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Speaker 2: Yeah, that's right. Yeah, I'm talking about my mortgage coming up.

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Speaker 2: So do you day? Do you have to threaten to

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Speaker 2: walk before you get the perfect rate? Can you just go?

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Speaker 2: I mean I've never negotiated the actual rate with the

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Speaker 2: bank before, but can you go? Can you give me?

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Speaker 2: Can you give me point five off that?

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Speaker 3: Yeah? Or that's what I want to know because I've

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Speaker 3: always just taken the advertised rates, and I know I'm

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Speaker 3: probably a mug for doing that. What do I do?

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Speaker 3: Do I go to the bank and say I will

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Speaker 3: walk unless you give me a better deal than what

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Speaker 3: you've advertised here.

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Speaker 2: Because that's what you want mortgage brokers to do, don't you.

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Speaker 2: They want to chop you around to multiple banks. But

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Speaker 2: that's not necessarily in the skill set of most people. Yeah,

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Speaker 2: I mean, would you feel comfortable just going playing hardball

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Speaker 2: with your bank, even though it's so much money for

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Speaker 2: your life and such a significant thing for your life.

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Speaker 2: Would you Are you the kind of guy tile that

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Speaker 2: the guest goes in and goes hardware.

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Speaker 3: I hate bartering. I hate bartering, particularly on the mortgages,

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Speaker 3: but I won't barter for anything. You know, if I

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Speaker 3: go in and I'm looking for a washing machine, I'll

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Speaker 3: just pay the price. I'm not gonna nickel and die

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Speaker 3: over a washing machine. You know what I mean?

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Speaker 2: Because we get into a situation in New Zealand where

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Speaker 2: we feel grateful for the bank for giving us a mortgage, Yeah,

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Speaker 2: like they're doing us a favor, when really what they're

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Speaker 2: doing is giving you the opportunity to make them a

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Speaker 2: lot of money over time.

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Speaker 3: Yeah.

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Speaker 2: Yeah, you know, you've jump through all the hoops and

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Speaker 2: they go, yeah, yeah, you seem like a worthy candidate

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Speaker 2: of giving me a huge percentage of the money you

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Speaker 2: earn over potentially twenty four years.

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Speaker 3: Yes, exactly. Hey, just before we get to the one

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Speaker 3: o'clock topic, the one that we're going to get into shortly,

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Speaker 3: lot of takes coming through about your T shirts. Hey, Matt,

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Speaker 3: try nappy sand soap before washing work for me and

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Speaker 3: my work clothes when living in Western Australia, sweating from

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Speaker 3: seven am to seven pm every day, sure made you pong.

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Speaker 2: Having through the nappy sand. Put your T shirts outside

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Speaker 2: to dry, not in the dry I would never put

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Speaker 2: T shirts in the dryer because they immediately become wide

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Speaker 2: and short.

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Speaker 3: Yeah yeah they do. Yeah, well the ones I do.

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Speaker 2: Anyway, I think.

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Speaker 3: You've you've had a nerve here. We've had opened this

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Speaker 3: back up after three o'clock.

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Speaker 2: Cut the pits out and then you have a new

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Speaker 2: favorite muscle T shirt out guns out.

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Speaker 3: Yeah, keep them coming through on nine two nine too.

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Speaker 3: But right now, let's have a chat about solar.

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Speaker 2: Yeah, so solar is in liquidation, Solar zero sorre is

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Speaker 2: in liquidation. So what is happening in the soula world?

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Speaker 2: Is this just specific to the business model of Solar Xerox.

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Speaker 2: We know they got a lot, they were bought by

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Speaker 2: black Rock and there was a lot of talk about

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Speaker 2: the money being pumped into the company a couple of

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Speaker 2: years ago, but they're now gone. So what's happening in

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Speaker 2: the world of solar? Do you have solar? Is it

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Speaker 2: working for you or did you get solar and it

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Speaker 2: blew up in your face and you're very disappointed and

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Speaker 2: you wish you'd never had. I love the idea of

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Speaker 2: getting solar. I'm not even not even from an environmental perspective.

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Speaker 2: I just think it'd be really dinky and cool to

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Speaker 2: have solar panels degenerating your own energy. You're going to

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Speaker 2: you know, going to the panel and seeing what's coming

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Speaker 2: in and what's going out.

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Speaker 3: Yeah.

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Speaker 2: I always I've been around to friends houses that have

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Speaker 2: soul and I've always thought that was very, very cool.

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Speaker 3: It's kind of a Kiwi thing, though, isn't it that

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Speaker 3: you feel like a bit of Keiwi ingenuity that you're

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Speaker 3: watching those killer white hours come through and oh yeah, baby,

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Speaker 3: I'm getting some I feel.

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Speaker 2: Like it's a kin to anyone that's gone sailing, you know,

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Speaker 2: when you're sailing and then you you know, you put

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Speaker 2: up the spinnaker and you're being pulled along, you know,

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Speaker 2: and then you feel like, I'm getting this, I'm getting

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Speaker 2: this movement for free, you know, I'm being moved by nature.

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Speaker 2: I kind of feel like I would have that feeling

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Speaker 2: with solar, but you know, you don't want to spend

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Speaker 2: a whole lot of money and get a dog. And

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Speaker 2: so yeah, we just love for people their experiences on

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Speaker 2: solar panels. Is that the way to go.

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Speaker 3: We looked into it in a house down in christ

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Speaker 3: Church and a couple of different variations, and I will

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Speaker 3: say solar zero was one of the options we looked at.

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Speaker 3: Then I looked at buying the panels outright, but the

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Speaker 3: one thing that kind of put it put it to

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Speaker 3: bed was the cost of the battery. That was huge.

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Speaker 3: Even if we're going to go through one of those

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Speaker 3: green loans, the cost of the panels I could deal with.

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Speaker 3: It was the battery technology that I just wasn't quite

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Speaker 3: sold on that was big money.

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Speaker 2: Yeah, because we love New Zealand. It's a beautiful place,

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Speaker 2: but it does rain a bit and it does have

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Speaker 2: clouds about this, as they say, as the pilots say,

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Speaker 2: there's a bit of weather about.

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Speaker 3: A bit of weather about Yeah.

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Speaker 2: I mean today where we are fantastic for solar panels, fantastic,

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Speaker 2: But unless you're storing that for another day, then no

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Speaker 2: good at all. So I'd love to hear from you

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Speaker 2: on eight hundred and eighty ten eighty. Also, if we

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Speaker 2: get time we're going to talk about incertification, which has

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Speaker 2: just been named as Year of the Word of the Year,

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Speaker 2: and we'll get to that. Mike Costkin was talking about

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Speaker 2: this morning.

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Speaker 3: Yeap, looking forward to that. But if you've gone solar,

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Speaker 3: has it worked for you? Has it not worked for you?

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Speaker 3: Keen on your experience as eight hundred and eighty ten

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Speaker 3: eighty is the number to call. It is fourteen past one.

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Speaker 1: The big stories, the big issues, the big trends and

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Speaker 1: everything in between. Mat Heath and Tyler Adams Afternoons you

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Speaker 1: for twenty twenty four used Talks DEVB.

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Speaker 3: News Talks THEREB. We're talking about the future of solar

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Speaker 3: and New Zealand on the back of solar is rose liquidation.

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Speaker 3: If you've gone solar, how does it work for you? Bruce,

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Speaker 3: You're super baby with it.

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Speaker 7: Yeah, very My wife and I put up twenty four

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Speaker 7: commercial panels, not normal panels, So we put up panels

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Speaker 7: that are around four eighty kilotes each and we're two

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Speaker 7: years into it now. We bought a full electric Polster,

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Speaker 7: so super happy. It generates heaps of electricity for us,

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Speaker 7: so we pushed quite a bit back to the grid

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Speaker 7: the car in I've done twenty one thousand k's. The

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Speaker 7: only money I've spent when it wasn't attached to the

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Speaker 7: house is about eighty dollars in that time. And so

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Speaker 7: we did it because we wanted energy security and we

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Speaker 7: wanted car security. I didn't want anyone telling me where

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Speaker 7: I could go and what I could do, so Uber happy.

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Speaker 7: The cost of running the car off the roof cost

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Speaker 7: me about five hundred dollars a year, so it's a

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Speaker 7: win when really and we looked at the solo one

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Speaker 7: back in the day and chose not to because they

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Speaker 7: weren't very transparent, so we ended up buying ourselves. The issue.

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Speaker 7: You're right about the batteries, but we simply bought two batteries,

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Speaker 7: two small ones, which allowed us to to basically the

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Speaker 7: minute the greed went down, we didn't go down. So

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Speaker 7: we only got seven killer lots of battery power, but

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Speaker 7: it's enough to sort of keep us going and all

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Speaker 7: the sudden comes up the next day. It gets us

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Speaker 7: through the night, and we're happy with that. But down

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Speaker 7: the track, I envisaged something like the old Tesla or

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Speaker 7: leaf battery or become available to hook up to a house.

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Speaker 7: So I visited that time will change that that problem

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Speaker 7: and it won't be it won't be a problem. But

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Speaker 7: for the moment, it's not a problem. And it was

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Speaker 7: well worth the investment, and extremely had Bruce, how much.

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Speaker 2: Was the investment? How much did you spind in total

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Speaker 2: across the panels and the battery.

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Speaker 7: If you don't spend twenty eight on panels and seven

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Speaker 7: on the battery, right.

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Speaker 2: And you say so that in the future of the

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Speaker 2: batteries will you'll have to replace the battery? So how

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Speaker 2: future proof are the panels? Are the panels there?

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Speaker 7: Twenty five your warranty and we live by the water,

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Speaker 7: so we actually made sure that our warranty included corrosion

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Speaker 7: and all of those sorts of things. So there's good panels.

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Speaker 7: I mean we've got Hyundi, but there's other panels as well.

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Speaker 7: So as long as you're working with a repidal company

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Speaker 7: who work with repubal brands our Inverders a Norwegian but

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Speaker 7: they're the top of the line. So no, we're happy.

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Speaker 7: We've got a really good solution.

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Speaker 3: Yeah, so you've run the numbers, Bruce, how long did

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Speaker 3: you calculate that you would effectively pay them off? Six

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Speaker 3: and a half years it's not too bad.

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Speaker 2: And so was that your main reason for doing it

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Speaker 2: a financial thing or was it an environmental thing or

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Speaker 2: was it a just an independence thing.

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Speaker 7: Independence. I just had this sense that I remember the

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Speaker 7: outgoing guy from the power he was the lines guy,

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Speaker 7: the CEO for the lines business, and he basically said,

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Speaker 7: I think it was a couple of years ago he

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Speaker 7: envisited the price of power going up by fifty percent.

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Speaker 7: And so we did our sums on that my car

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Speaker 7: was up for renewal, so it was either a new car.

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Speaker 7: So we started to look at and I'm a bit

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Speaker 7: of a I'm a business person, so I'm a bit

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Speaker 7: of a spreaching hawk. So we basically sort of good

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Speaker 7: the numbers based on projected fuel, projected power and all

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Speaker 7: those sorts of things, and it came back that it

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Speaker 7: was a no brainer, an absolutely no brainer. So it

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Speaker 7: was like do it now or why wait? Because it's

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Speaker 7: paying itself down every day.

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Speaker 2: And when you talk about Brucean, you talk about why

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Speaker 2: wait are solar panels and I understand the efficiency of

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Speaker 2: solar panels and how much energy they generate from you know,

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Speaker 2: the same amount of sun is increasing, so the panels

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Speaker 2: you get that you know, in five years, will the

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Speaker 2: panels that are available then be significantly significantly cheaper and

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Speaker 2: significantly more efficient.

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Speaker 7: You know, we're going to have that same conversation we

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Speaker 7: have about computer's cars everything. You know, there's always something

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Speaker 7: better coming. There's no time like the present, right and

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Speaker 7: you know it making decisions about ferries, cars, whatever it is,

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Speaker 7: underground railways or whatever is. There's no better time than

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Speaker 7: right now because everything goes up right. So you can

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Speaker 7: play that game, but you'll never get off that treadmill.

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Speaker 2: As they say, the best, the best dated by the

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Speaker 2: best time to buy both Flounder Tree was ten years ago.

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Speaker 2: Second best time is right now, as they say.

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Speaker 7: Correct.

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Speaker 3: So Bruce, Bruce, how long if there's a knockout to

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Speaker 3: the grid or you lose power, how long can you

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Speaker 3: generat energy for the household?

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Speaker 7: For well, it gets us through the night? Right, So

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Speaker 7: we've got it so that if a power if the

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Speaker 7: power goes down, which happens a lot out our way

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Speaker 7: into the ring, the power goes down, our batteries kick

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Speaker 7: in and that'll get us through the night. So we've

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Speaker 7: got it so that our switchboard just runs, our lights runs,

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Speaker 7: our internet runs, a bunch of things. But come the

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Speaker 7: next morning that's probably on its way down, largely because

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Speaker 7: of the hot water cylinder, I might add, So if

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Speaker 7: we basically put a little bit of smarts on the

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Speaker 7: hot water cylinder, we'll probably get halfway through the next day.

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Speaker 7: So if the sun shining, we're back up again. The

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Speaker 7: sun doesn't have to be shining for us beginning enough

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Speaker 7: how to run off. Uh, it has to be pretty

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Speaker 7: crappy for us not beginning anything. But but you know,

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Speaker 7: in New Zealand, we're pretty good.

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Speaker 8: We don't have a problem.

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Speaker 7: So we haven't we haven't been locked out yet. And

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Speaker 7: that's where do you live?

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Speaker 2: Because I mentioned it's a difference story if you say,

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Speaker 2: lived on the west coast of the South Island compared

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Speaker 2: to say if you lived in the Bay of Plenty

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Speaker 2: or Hawks Bay. Whereabouts do you live?

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Speaker 7: We live in French Bay and Auckland.

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Speaker 3: Okay, yeah, yeah, interesting, Bruce, Thank you very much. I

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Speaker 3: love to hear your thoughts if you've gone solar, oh,

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Speaker 3: eight hundred and eighty ten eighty, particularly if you went

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Speaker 3: solar and it didn't work out quiet as you thought

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Speaker 3: it was going to work out. I imagine there's a

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Speaker 3: few of those customers in New Zealand and the interesting

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Speaker 3: with the battery. Did he say he's gone now because

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Speaker 3: I've missed to ask him, but seven K per battery

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Speaker 3: because he had two batteries. Yeah, so all up, that

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Speaker 3: was about forty thousand dollars.

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Speaker 2: Yeah, actually we should listen to that exactly what a

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Speaker 2: setup was? He think he did say that someone might

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Speaker 2: be like, if you're listening, Bruce, text back through exactly

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Speaker 2: what your setup cost was. But he does make a

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Speaker 2: good point because I keep thinking, and I did this

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Speaker 2: in my life all the time. I keep going, well,

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Speaker 2: in a few years that'll be better, and a few

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Speaker 2: years that'll be better. Now you're constantly thinking that, then

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Speaker 2: you never do anything.

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Speaker 3: Do you exactly?

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Speaker 6: Yeah?

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Speaker 3: Oh, eight hundred and eighty two in eighty is the

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Speaker 3: number to call. It's twenty four past one.

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Speaker 1: Putting the tough questions to the newsmakers the mic asking breakfast.

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Speaker 9: We've got an additional fifty senior doctors and seventy five nurses.

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Speaker 9: Association of Salary Medical Specialists Sarah Dalton is with us.

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Speaker 9: I know what you will say, but it's better than nothing,

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Speaker 9: isn't it.

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Speaker 10: Well, it depends effectively what the Minister has announced as

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Speaker 10: fifty extra vacancies on an already very long vacancy list.

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Speaker 9: Where are they getting them from? By the way, through

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Speaker 9: a covert of seeing the doctors about the place?

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Speaker 11: Wouldn't that be nice?

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Speaker 4: I want for Christmas?

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Speaker 12: Seen doctor doctor.

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Speaker 2: What does this actually achieve?

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Speaker 10: I hate to reign on the parade, but I really

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Speaker 10: don't think it achieves anything. I think it's really disappointing

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Speaker 10: given that last year his works was planned. Seed list

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Speaker 10: is how many we think we need and nothing that

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Speaker 10: has happened.

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Speaker 7: He has tempted to address it.

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Speaker 9: Back tomorrow at six am the Mic Hosking Breakfast with

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Speaker 9: Mayley's real Estate Newstalk z B.

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Speaker 2: Yeah, we're talking Sola zero. It's a liquidation in the company.

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Speaker 2: So what's happening in the world of Solo? Do you

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Speaker 2: have Solo? Is it working for you? Or did you

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Speaker 2: get solar power installed in your house and it's below

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Speaker 2: and up in your phrase? Steve your thoughts?

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Speaker 13: Oh well, hi, Matt.

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Speaker 14: You know, my wife and I we put a system

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Speaker 14: in exactly a year ago. So we've had we've had

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Speaker 14: we've been on solo for twelve months and we're so

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Speaker 14: happy with it. We would it's to be one of

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Speaker 14: the best things we've ever done. So put a full

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Speaker 14: system in on a green loan. So we've got sixteen

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Speaker 14: Q cell panels on the roof and a Fronius which

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Speaker 14: is Austrian inverted five killer what inverter, and we put

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Speaker 14: the power wll the Tesla powerwell, which is a thirty

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Speaker 14: and a half killer what batterian.

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Speaker 13: It's a very very you'd be surprised how smaller it is.

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Speaker 14: It's only like a meter of point too high and

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Speaker 14: about one hundred mills thick and about six hundred wide,

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Speaker 14: so it's up against it's inside the garashes on the wall,

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Speaker 14: and the system comes with a little app on your phone,

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Speaker 14: which my wife and I both addicted to because you see.

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Speaker 2: How see I'd love that part of it.

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Speaker 13: Yeah, and also you can see what we are using.

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Speaker 14: Power, so it's quite handy to actually train yourself, you know,

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Speaker 14: about how to use it wisely. But one of the

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Speaker 14: things I did soliciting the Bruce was I installed a

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Speaker 14: honeywell timing, which is what the Europeans use for their

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Speaker 14: hot water systems, you know, the what they.

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Speaker 13: Call them the radiator heaters they have in their houses

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Speaker 13: in the UK.

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Speaker 14: Yep, that's that's why directly into the r c D

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Speaker 14: in my you know, in my fusee box that controls

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Speaker 14: the hot water system, so I can set that for

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Speaker 14: any time I like.

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Speaker 13: So currently we only have the hot water service come on.

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Speaker 11: To heat at the.

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Speaker 14: Time of the day that the sun's up at the

438
00:19:51,933 --> 00:19:56,733
Speaker 14: highest about four hours, so it's only using panel power

439
00:19:57,213 --> 00:20:00,373
Speaker 14: to reheat. Hot water doesn't reheat during the night or anything,

440
00:20:00,413 --> 00:20:02,213
Speaker 14: so it doesn't draw off the battery at all.

441
00:20:02,293 --> 00:20:05,333
Speaker 3: That's smart. Are you running evs off that as well, Steeve?

442
00:20:05,973 --> 00:20:08,173
Speaker 13: No, no, I don't. I'm not really into it. I'm not.

443
00:20:08,333 --> 00:20:09,733
Speaker 13: I was going to get something to be a hybrid,

444
00:20:09,733 --> 00:20:10,133
Speaker 13: not an EV.

445
00:20:10,253 --> 00:20:12,853
Speaker 2: But yeah, Steve, how much did you how much did

446
00:20:12,893 --> 00:20:15,333
Speaker 2: you guys spend on the entire setup?

447
00:20:16,573 --> 00:20:18,573
Speaker 14: The setup was thirty four and a half k on

448
00:20:18,613 --> 00:20:21,253
Speaker 14: a green loan, so our green loan. It's most of

449
00:20:21,293 --> 00:20:23,013
Speaker 14: the banks in Zeon do it do a green loan,

450
00:20:23,093 --> 00:20:26,213
Speaker 14: so we will, saysp So there one was a maximum

451
00:20:26,293 --> 00:20:30,253
Speaker 14: three years, so it's a three year payback, but it's only.

452
00:20:30,053 --> 00:20:31,213
Speaker 13: One and a half percent interest.

453
00:20:32,293 --> 00:20:34,573
Speaker 2: And that was for the panels and the and the battery.

454
00:20:35,293 --> 00:20:36,773
Speaker 13: Everything that was for everything. Yeah.

455
00:20:36,853 --> 00:20:39,933
Speaker 14: Yeah, the power well was about from memory twelve grand

456
00:20:39,973 --> 00:20:44,213
Speaker 14: and the panels are about seven eight and then you know,

457
00:20:44,333 --> 00:20:47,293
Speaker 14: and the panels have got a twenty five twenty five

458
00:20:47,373 --> 00:20:51,973
Speaker 14: year warranty on them, and the ironically, the Tesla Powell

459
00:20:52,013 --> 00:20:54,253
Speaker 14: has a twenty year warranty. When you think that they

460
00:20:54,293 --> 00:20:57,493
Speaker 14: can't make a Tesla car battery that has a warranty

461
00:20:57,573 --> 00:21:01,693
Speaker 14: like that, yeah, old that we could expect a minimum

462
00:21:01,693 --> 00:21:03,613
Speaker 14: of twenty five years off that battery, which will be

463
00:21:03,693 --> 00:21:05,853
Speaker 14: well past.

464
00:21:06,573 --> 00:21:07,653
Speaker 3: And Steve, did you get it?

465
00:21:07,693 --> 00:21:09,813
Speaker 2: Because did you get it? Because? I mean what excites

466
00:21:09,853 --> 00:21:11,173
Speaker 2: me when you talk about it is looking at the

467
00:21:11,213 --> 00:21:13,493
Speaker 2: apps and running it and the feeling of I love

468
00:21:13,533 --> 00:21:16,213
Speaker 2: that kind of dinky stuff. That's something I'm into. Is

469
00:21:16,293 --> 00:21:18,053
Speaker 2: that a big part of it? Or did you get

470
00:21:18,093 --> 00:21:23,253
Speaker 2: it for environmental reasons or financial reasons or just because

471
00:21:23,293 --> 00:21:24,253
Speaker 2: it's a cool thing to do?

472
00:21:25,573 --> 00:21:27,333
Speaker 14: I did it for am I've been I'd been keen

473
00:21:27,373 --> 00:21:31,133
Speaker 14: on I've been keen on on on on solar for

474
00:21:31,173 --> 00:21:34,573
Speaker 14: a long long time. But you know, like when I

475
00:21:34,573 --> 00:21:36,853
Speaker 14: first looked at us in the eighties, you know, the

476
00:21:36,893 --> 00:21:39,733
Speaker 14: batteries are huge, and they cost of fortune, and you

477
00:21:39,813 --> 00:21:41,653
Speaker 14: had to have a lot of them and they only

478
00:21:41,693 --> 00:21:45,213
Speaker 14: lasted five years with so the technology just wasn't there

479
00:21:45,613 --> 00:21:48,532
Speaker 14: to make it viable unless you're living out in the

480
00:21:48,533 --> 00:21:50,693
Speaker 14: bush or something, you know, and where it was a necessity.

481
00:21:50,853 --> 00:21:54,573
Speaker 14: So but now with technology like these q cell panels

482
00:21:55,373 --> 00:21:57,773
Speaker 14: German designed that they won the best panel in the

483
00:21:57,893 --> 00:22:00,813
Speaker 14: in the world four years in a row. We've got

484
00:22:00,813 --> 00:22:04,173
Speaker 14: a you know, like a European designed inverter.

485
00:22:04,293 --> 00:22:05,893
Speaker 13: So for me, it was a combination of things.

486
00:22:05,893 --> 00:22:09,013
Speaker 14: It was like I was approaching pension age and I

487
00:22:09,013 --> 00:22:11,013
Speaker 14: could see what was happening with power in New Zealand.

488
00:22:11,093 --> 00:22:15,173
Speaker 14: You know, we're in Hawks Bay and during cyclic during

489
00:22:15,173 --> 00:22:17,653
Speaker 14: the cyclone, we had no power next day.

490
00:22:17,773 --> 00:22:20,653
Speaker 2: That's huge, Yeah, and it's a good place to be

491
00:22:20,733 --> 00:22:22,733
Speaker 2: running solar hawks.

492
00:22:21,573 --> 00:22:24,373
Speaker 3: But yeah, here here just quickly, Steve, do you ever

493
00:22:24,413 --> 00:22:26,573
Speaker 3: feed electricity back to the grid? Do you get paid

494
00:22:26,613 --> 00:22:27,213
Speaker 3: for that when you do?

495
00:22:28,333 --> 00:22:28,693
Speaker 13: We do?

496
00:22:28,893 --> 00:22:31,613
Speaker 14: Yeah, And so we have not paid a power ball

497
00:22:31,653 --> 00:22:36,173
Speaker 14: in a year, so ourbuls at all, we're completely even

498
00:22:36,213 --> 00:22:38,413
Speaker 14: with what we've got where you haven't paid a powerball

499
00:22:38,413 --> 00:22:40,893
Speaker 14: in the last twelve months and I think currently we've

500
00:22:40,933 --> 00:22:43,333
Speaker 14: got a credit of about one hundred and eighty to

501
00:22:43,333 --> 00:22:46,773
Speaker 14: two hundred dollars. So basically how that works is we

502
00:22:46,813 --> 00:22:49,253
Speaker 14: get we've got a two year contract with Meridian and

503
00:22:49,293 --> 00:22:52,213
Speaker 14: we get eighteen cents a killer. What So over the

504
00:22:52,293 --> 00:22:55,773
Speaker 14: summer months, we'll we'll usually send back about four hundred

505
00:22:55,813 --> 00:22:58,653
Speaker 14: and fifty kilowats in a month. Wow, So that's maybe

506
00:22:59,013 --> 00:23:01,493
Speaker 14: maybe eighty bucks credit a month. So you build up

507
00:23:01,533 --> 00:23:06,253
Speaker 14: your over those sort of spring, summer and early autumn

508
00:23:06,293 --> 00:23:09,373
Speaker 14: months where you're getting generating a lot of power. And

509
00:23:09,453 --> 00:23:12,293
Speaker 14: so last winter we had a credit of about five

510
00:23:12,373 --> 00:23:15,213
Speaker 14: hundred dollars up. So when you go through those three

511
00:23:15,293 --> 00:23:18,853
Speaker 14: or four winter months we know you're not generating enough

512
00:23:18,933 --> 00:23:22,773
Speaker 14: to pull energy off the grid, you've got a credit

513
00:23:22,813 --> 00:23:23,333
Speaker 14: that covers you.

514
00:23:23,773 --> 00:23:23,973
Speaker 15: Yeah.

515
00:23:24,133 --> 00:23:28,053
Speaker 3: Interesting, and you're the master of your own domain. Yeah exactly. Steve,

516
00:23:28,093 --> 00:23:29,773
Speaker 3: thank you very much for giving us a buzz right

517
00:23:29,813 --> 00:23:32,933
Speaker 3: headlines coming up, and then Raja has called in and

518
00:23:32,973 --> 00:23:35,093
Speaker 3: he reckons he's got a warning for Steve in relation

519
00:23:35,173 --> 00:23:37,213
Speaker 3: to the hot water cylinder. So we'll get to that

520
00:23:37,333 --> 00:23:37,653
Speaker 3: very sure.

521
00:23:37,733 --> 00:23:39,253
Speaker 2: Now that's right. We've got a few texts as well

522
00:23:39,293 --> 00:23:42,292
Speaker 2: coming through on the other side of Solo. So eight

523
00:23:42,413 --> 00:23:44,573
Speaker 2: hundred and eighty ten eighty is Solo working for you?

524
00:23:44,893 --> 00:23:46,253
Speaker 2: Or is it not working for you. We'd love to

525
00:23:46,253 --> 00:23:46,693
Speaker 2: hear from you.

526
00:23:46,813 --> 00:23:48,573
Speaker 3: Twenty seven to two.

527
00:23:50,133 --> 00:23:53,653
Speaker 16: Jus talk said be headlines with blue bubble taxis it's

528
00:23:53,733 --> 00:23:57,053
Speaker 16: no trouble with a blue bubble. Nearly fifteen hundred more

529
00:23:57,173 --> 00:23:59,613
Speaker 16: rolls are on the line in another round of Health

530
00:23:59,693 --> 00:24:03,293
Speaker 16: end said cuts, although the PSA says about seven hundred

531
00:24:03,373 --> 00:24:06,533
Speaker 16: are currently vacant. The latest cuts will hit the data

532
00:24:06,573 --> 00:24:11,173
Speaker 16: in digital National Public Health Service, Howarra, Maari and Pacific

533
00:24:11,213 --> 00:24:14,933
Speaker 16: Health teams. A van has rolled on State Highway ninety

534
00:24:14,973 --> 00:24:18,893
Speaker 16: four west of Queenstown near Deer Flat, injuring several people

535
00:24:18,973 --> 00:24:23,773
Speaker 16: and closing the road. Willington's Regional Council is rejecting the

536
00:24:23,773 --> 00:24:28,013
Speaker 16: core from NZTA to hike public transport revenue, which would

537
00:24:28,053 --> 00:24:32,133
Speaker 16: mean changing commuters more. Transport Committee chair Thomas Nash says

538
00:24:32,133 --> 00:24:35,573
Speaker 16: the government claims it supports public transport, but this shows

539
00:24:35,613 --> 00:24:40,253
Speaker 16: the exact opposite Casey Costello says the final push to

540
00:24:40,653 --> 00:24:44,973
Speaker 16: smoke free twenty twenty five will be achieved through health messaging.

541
00:24:45,453 --> 00:24:49,093
Speaker 16: A refreshed Health ENDZD plan includes no new funding or programs,

542
00:24:49,333 --> 00:24:53,532
Speaker 16: but the government says it's reallocating money to the front line.

543
00:24:53,773 --> 00:24:57,453
Speaker 16: Twenty twenty five housing market outlook, Do we really want

544
00:24:57,533 --> 00:25:01,173
Speaker 16: another boom? Read this and more from Inside Economics at

545
00:25:01,293 --> 00:25:04,533
Speaker 16: NZ Herald Premium. Back to Matteath and Tyler Adams.

546
00:25:04,573 --> 00:25:07,213
Speaker 3: Thank you very much, Raillan. We're talking about Sola on

547
00:25:07,413 --> 00:25:10,213
Speaker 3: the Bank of Soul zero. It is in liquidation. Fifteen

548
00:25:10,213 --> 00:25:12,813
Speaker 3: thousand customers a bit in the dark now about what

549
00:25:12,853 --> 00:25:16,133
Speaker 3: happens to their solar panels and equipment through that scheme.

550
00:25:16,453 --> 00:25:19,133
Speaker 3: But we've taken a bit broader those that have gone solar.

551
00:25:19,253 --> 00:25:21,013
Speaker 3: Has it worked for you? And so far.

552
00:25:23,333 --> 00:25:25,133
Speaker 2: Bruce and Steve were selling the dream, weren't they?

553
00:25:25,173 --> 00:25:26,933
Speaker 3: They were certainly, Yeah.

554
00:25:26,853 --> 00:25:28,813
Speaker 2: We need to sell the dream on me turning my Michael,

555
00:25:30,533 --> 00:25:33,253
Speaker 2: maybe we can hook that to a solar panel. No,

556
00:25:33,333 --> 00:25:35,733
Speaker 2: but yeah they were selling. They were making I'm very

557
00:25:35,773 --> 00:25:39,493
Speaker 2: excited about solar after what they said. But Raja, you

558
00:25:39,653 --> 00:25:41,373
Speaker 2: have a different opinion on this.

559
00:25:43,533 --> 00:25:43,773
Speaker 5: Yeah.

560
00:25:43,813 --> 00:25:48,053
Speaker 12: So I've had Solar for i'd say twelve thirteen years,

561
00:25:48,253 --> 00:25:51,653
Speaker 12: and the first two years I've got a fourth Killer

562
00:25:51,693 --> 00:25:56,373
Speaker 12: watch system, which was great. A lot of mistakes made

563
00:25:56,453 --> 00:25:59,973
Speaker 12: by going with companies. They give you the best sort

564
00:25:59,973 --> 00:26:02,533
Speaker 12: of rebate, but then you get it up the daily

565
00:26:02,573 --> 00:26:05,133
Speaker 12: line charge, which can be anywhere between one to three dollars.

566
00:26:05,173 --> 00:26:06,853
Speaker 12: So I've got no daily line charge at the moment,

567
00:26:06,853 --> 00:26:07,532
Speaker 12: which is great, and.

568
00:26:07,853 --> 00:26:10,933
Speaker 2: What's the so what's the daily line charge?

569
00:26:11,413 --> 00:26:13,933
Speaker 12: A power company will have a daily line charge that

570
00:26:13,973 --> 00:26:18,173
Speaker 12: they charge you power connect, so you know there's an

571
00:26:18,213 --> 00:26:20,532
Speaker 12: octopus energy on a low user. When I signed up,

572
00:26:20,573 --> 00:26:23,293
Speaker 12: they didn't have a daily line judge. So I don't

573
00:26:23,293 --> 00:26:25,333
Speaker 12: have a daily line charge. You know, like if you

574
00:26:25,333 --> 00:26:27,893
Speaker 12: look at your power boll can be anywhere between nine

575
00:26:27,973 --> 00:26:31,773
Speaker 12: to thirty dollars a month being connected anywhere on the

576
00:26:31,773 --> 00:26:37,493
Speaker 12: solar woid thing. So within two years, because unless you

577
00:26:37,493 --> 00:26:41,013
Speaker 12: get a really big panel system, at least a seven

578
00:26:41,093 --> 00:26:44,933
Speaker 12: killer watter system, especially during winter, you're not generating enough

579
00:26:44,973 --> 00:26:48,933
Speaker 12: solar to heat their solenoid salnoid in the hot water cinder.

580
00:26:48,933 --> 00:26:52,213
Speaker 12: So it's on a really low heat for a prolonged

581
00:26:52,333 --> 00:26:55,293
Speaker 12: period of time. And the sparky and the plumber set

582
00:26:55,293 --> 00:26:58,493
Speaker 12: it's not built for that. It needs a lot. It's

583
00:26:58,493 --> 00:27:01,773
Speaker 12: like hitting your jug and taking you know, two hours

584
00:27:01,773 --> 00:27:04,093
Speaker 12: to charge to heat up a set of two minutes.

585
00:27:04,853 --> 00:27:07,813
Speaker 12: It's they're not designed for that. So every two years

586
00:27:08,013 --> 00:27:10,133
Speaker 12: I can work it out. So every two to three

587
00:27:10,173 --> 00:27:12,933
Speaker 12: years I was going to sell it someone were replaced

588
00:27:12,973 --> 00:27:16,693
Speaker 12: and it was going to costing me three four hundred bucks.

589
00:27:17,093 --> 00:27:19,292
Speaker 12: That's when the Spark and the Pummel, when they were

590
00:27:19,293 --> 00:27:23,173
Speaker 12: both there, they said, that's why it's happening because it's

591
00:27:23,213 --> 00:27:25,413
Speaker 12: not built to do that. So unless you're getting a big,

592
00:27:26,173 --> 00:27:28,893
Speaker 12: big system and your battery is big to heat it

593
00:27:28,973 --> 00:27:31,493
Speaker 12: up when it's not when there's not enough sun, especially

594
00:27:31,493 --> 00:27:34,613
Speaker 12: in the winter, you're going to replace that every two

595
00:27:34,693 --> 00:27:37,213
Speaker 12: to three years. Well, I have personally, and I've got

596
00:27:37,213 --> 00:27:38,813
Speaker 12: a four Killer watch system and i don't have a

597
00:27:38,813 --> 00:27:42,613
Speaker 12: battery because I'm like utiler, I can't justify the battery.

598
00:27:42,613 --> 00:27:45,573
Speaker 12: I've done the XL documents for you know how long

599
00:27:45,613 --> 00:27:46,813
Speaker 12: the buy back and all that is. I did it

600
00:27:46,853 --> 00:27:50,213
Speaker 12: with my electric car and the battery. Just unless you're

601
00:27:50,213 --> 00:27:53,173
Speaker 12: buying a ten killer watch system to charge that battery

602
00:27:53,653 --> 00:27:56,333
Speaker 12: and having that power in winter that you're going to

603
00:27:56,413 --> 00:27:58,173
Speaker 12: run out of, you're not going to charge the battery

604
00:27:58,213 --> 00:27:58,693
Speaker 12: at all the winter.

605
00:27:58,973 --> 00:27:59,173
Speaker 13: Yeah.

606
00:27:59,213 --> 00:28:03,213
Speaker 2: So the solenoid valve that's in the water heater controls

607
00:28:03,413 --> 00:28:04,413
Speaker 2: the fly water.

608
00:28:04,293 --> 00:28:07,613
Speaker 12: Pace of it. No, No, it's the element that heats

609
00:28:07,613 --> 00:28:10,373
Speaker 12: the whole right, it's right of them. It's like you're look,

610
00:28:10,453 --> 00:28:12,253
Speaker 12: just imagine you're jug. You've got a little cell. Someone

611
00:28:12,413 --> 00:28:14,373
Speaker 12: to think the little element thing that heats up the jug,

612
00:28:14,573 --> 00:28:16,253
Speaker 12: same thing the whole water cinder that heats up the

613
00:28:16,293 --> 00:28:19,493
Speaker 12: hot water cinder. The only problem is that it's not

614
00:28:19,733 --> 00:28:23,253
Speaker 12: made to run off solo because especially in winter, but

615
00:28:23,533 --> 00:28:26,013
Speaker 12: that's probably six months of the year, you're not going

616
00:28:26,053 --> 00:28:29,093
Speaker 12: to get enough wattage off your panels to go straight

617
00:28:29,133 --> 00:28:30,893
Speaker 12: into your hot water cinder. And a lot of people

618
00:28:31,813 --> 00:28:34,293
Speaker 12: when I did my system, it went to the lights

619
00:28:34,333 --> 00:28:37,133
Speaker 12: that went to you know, everything else in the hot

620
00:28:37,173 --> 00:28:39,653
Speaker 12: water cinder was last. So you might be generating four

621
00:28:39,733 --> 00:28:41,613
Speaker 12: killer wat, but if your house is using three killer

622
00:28:41,653 --> 00:28:45,253
Speaker 12: what you're only sending a killer wat into an element

623
00:28:45,293 --> 00:28:47,893
Speaker 12: that needs two and a half killer wat. And if

624
00:28:47,893 --> 00:28:51,773
Speaker 12: you're you know, it's really trickling in there, you're it's

625
00:28:51,853 --> 00:28:54,213
Speaker 12: it's yeah, it's it's like like I said, you're hitting

626
00:28:54,253 --> 00:28:57,533
Speaker 12: your coffee mug over four hours rather than two minutes.

627
00:28:57,613 --> 00:28:59,653
Speaker 3: Yeah, it's not efficient to do that. So what so

628
00:28:59,693 --> 00:29:02,013
Speaker 3: you've got solo without a battery and it goes well

629
00:29:02,053 --> 00:29:04,093
Speaker 3: in summer, and then for your hot water, what you're

630
00:29:04,093 --> 00:29:05,693
Speaker 3: going with a califont or something.

631
00:29:06,853 --> 00:29:10,293
Speaker 12: I just talk to the main main gotcha, So yeah,

632
00:29:10,493 --> 00:29:12,213
Speaker 12: I don't. I don't. I'd like to say for the

633
00:29:12,293 --> 00:29:15,373
Speaker 12: last two years, obviously getting smarter with my electric plan

634
00:29:15,813 --> 00:29:17,613
Speaker 12: and being with the right company and not having a

635
00:29:17,653 --> 00:29:21,213
Speaker 12: daily line charge, which is massive, I don't have a

636
00:29:21,253 --> 00:29:23,813
Speaker 12: powerful six months of the year, and then over winter

637
00:29:23,933 --> 00:29:26,973
Speaker 12: it goes like thirty dollars, fifty dollars, seventy dollars and

638
00:29:27,013 --> 00:29:29,213
Speaker 12: then down to fifty dollars thirty dollars. So I don't pay.

639
00:29:29,253 --> 00:29:32,413
Speaker 12: I pay polyly, but three three hundred bucks a year

640
00:29:32,453 --> 00:29:34,093
Speaker 12: for power, so not too bad.

641
00:29:34,373 --> 00:29:36,973
Speaker 2: Yeah, oh, thanks so much for your call, Roger. That

642
00:29:37,053 --> 00:29:39,333
Speaker 2: I mean, with all things like this, there's complexities that

643
00:29:39,413 --> 00:29:41,693
Speaker 2: you would never factor in. Yeah, you know, I would

644
00:29:41,733 --> 00:29:45,053
Speaker 2: never think about that. That that you know, solomoids can't

645
00:29:45,053 --> 00:29:48,693
Speaker 2: be heating water slowly over time without damaging itself, and

646
00:29:48,773 --> 00:29:51,173
Speaker 2: that's the last you know, that's way down the track

647
00:29:51,173 --> 00:29:52,133
Speaker 2: of things I would think about.

648
00:29:52,213 --> 00:29:54,253
Speaker 3: That's the only thing I worry about. Solar is. As

649
00:29:54,253 --> 00:29:57,453
Speaker 3: I mentioned, I investigator and joined all these Facebook pages

650
00:29:57,493 --> 00:30:00,013
Speaker 3: of people that were converted into solar but a lot

651
00:30:00,013 --> 00:30:01,973
Speaker 3: of the time they were talking about things that just

652
00:30:02,093 --> 00:30:04,693
Speaker 3: I had no clue on. Is this what I've got

653
00:30:04,733 --> 00:30:07,253
Speaker 3: to figure out to get solar. Yeah, it seems quite complex.

654
00:30:07,333 --> 00:30:09,573
Speaker 3: If things go wrong, I don't know how to fix it.

655
00:30:09,693 --> 00:30:13,693
Speaker 2: Yeah, because we get used to just power on things work.

656
00:30:13,613 --> 00:30:16,453
Speaker 3: Flicker flick. A lier comes on as he has Oh

657
00:30:16,493 --> 00:30:18,573
Speaker 3: eight hundred eighty ten eighty is the number to call

658
00:30:18,653 --> 00:30:22,093
Speaker 3: love to hear your solar experiences. It is eighteen to two.

659
00:30:22,253 --> 00:30:27,693
Speaker 1: Your new home of afternoon Talk, Taylor Adams Afternoon call, Oh,

660
00:30:27,733 --> 00:30:29,933
Speaker 1: eight hundred eighty ten eighty News Talks.

661
00:30:29,933 --> 00:30:33,853
Speaker 3: They'd be good afternoon. It is sixteen to two.

662
00:30:34,093 --> 00:30:37,253
Speaker 2: We're talking about solar energy. Solar zero has gone into liquidation.

663
00:30:37,413 --> 00:30:39,213
Speaker 2: But how do solar work for you? If you've got it?

664
00:30:39,253 --> 00:30:41,653
Speaker 2: Have you got any downsize to solo? Because we're hearing

665
00:30:41,653 --> 00:30:43,773
Speaker 2: a lot of positive stuff, although we just had Rajah

666
00:30:43,813 --> 00:30:46,453
Speaker 2: before that said the head a problem with this solenoid

667
00:30:47,013 --> 00:30:49,573
Speaker 2: in his hot water cylinder. But there are some controversy

668
00:30:49,573 --> 00:30:52,413
Speaker 2: about what a solinoid is, and men Tyler will reveal

669
00:30:52,453 --> 00:30:56,573
Speaker 2: to not know anything about anything. So I think that

670
00:30:57,533 --> 00:31:00,773
Speaker 2: someone you know, like a plumber or someone will be

671
00:31:00,813 --> 00:31:02,293
Speaker 2: able to tell us exactly what it is. But I

672
00:31:02,293 --> 00:31:05,573
Speaker 2: think the difference is I think he's the solenoid is actually,

673
00:31:05,813 --> 00:31:08,613
Speaker 2: as a stick said, it's an electronic equitor. It open

674
00:31:08,653 --> 00:31:11,613
Speaker 2: and close a valve. The element is a resistant heating element.

675
00:31:11,693 --> 00:31:13,573
Speaker 2: Very different things, because that's what I was trying to

676
00:31:13,573 --> 00:31:15,173
Speaker 2: work out with Rajah. I thought he was talking about

677
00:31:15,213 --> 00:31:17,573
Speaker 2: the element, but he was calling it the solonoid. Someone

678
00:31:17,653 --> 00:31:19,893
Speaker 2: might now able to unpack this, but yeah, there's some

679
00:31:19,933 --> 00:31:24,053
Speaker 2: part of the hot water cylinder that unless you've got

680
00:31:24,093 --> 00:31:26,573
Speaker 2: enough going power, enough power through it, which sometimes solar

681
00:31:26,653 --> 00:31:28,573
Speaker 2: energy is not going to be putting through, that can

682
00:31:29,213 --> 00:31:30,133
Speaker 2: damage it over time.

683
00:31:30,373 --> 00:31:32,813
Speaker 3: It gets technical, doesn't it. Plenty of great techs coming

684
00:31:32,813 --> 00:31:34,813
Speaker 3: through on nine two nine two. This one from Tina

685
00:31:35,093 --> 00:31:37,373
Speaker 3: getto guy's been off grid in a modern new build

686
00:31:37,373 --> 00:31:40,253
Speaker 3: for four years, full solar for power, eighteen panels and

687
00:31:40,373 --> 00:31:45,453
Speaker 3: twenty four batteries. Haven't looked back, however, been off grid

688
00:31:45,613 --> 00:31:49,493
Speaker 3: is a definite mindset change in how we consume electricity.

689
00:31:49,533 --> 00:31:52,613
Speaker 3: High use power items are used during the daylight hours only.

690
00:31:53,573 --> 00:31:57,693
Speaker 2: Thank you, Tina. Sorry, just get into I've got a

691
00:31:57,733 --> 00:32:00,093
Speaker 2: new touch screen about technology. I've got my new.

692
00:32:00,053 --> 00:32:02,213
Speaker 3: Phone operation that I'm learning.

693
00:32:02,253 --> 00:32:04,053
Speaker 2: I'm just new to know news dogs he beat. It's

694
00:32:04,053 --> 00:32:07,933
Speaker 2: all very difficult for me. Grant, you're running a solar situation.

695
00:32:09,493 --> 00:32:09,933
Speaker 15: Yeah, I am.

696
00:32:10,053 --> 00:32:13,973
Speaker 8: Hey, Hope, I see a great show and great topic

697
00:32:14,093 --> 00:32:16,933
Speaker 8: of Yeah, I'm not too sure what Roderick was talking

698
00:32:16,973 --> 00:32:21,213
Speaker 8: about there. Definitely, it's just an element in it. There's

699
00:32:21,213 --> 00:32:24,493
Speaker 8: no solon word there. But anyway, I work at a

700
00:32:24,533 --> 00:32:28,773
Speaker 8: power station and I'm getting myself set up for retirement.

701
00:32:28,933 --> 00:32:34,573
Speaker 8: So we just got solar a couple of years now,

702
00:32:34,613 --> 00:32:38,493
Speaker 8: and we're on that good Night's plan which you get

703
00:32:38,533 --> 00:32:39,653
Speaker 8: through the company.

704
00:32:39,413 --> 00:32:39,773
Speaker 13: Or work for.

705
00:32:41,373 --> 00:32:45,413
Speaker 8: And so what we're doing, we're we're using more power

706
00:32:45,773 --> 00:32:49,813
Speaker 8: during that three hours of three power between nine and

707
00:32:49,853 --> 00:32:52,453
Speaker 8: midnight than we are during the day. So in other words,

708
00:32:52,453 --> 00:32:55,213
Speaker 8: we're generating This is obviously on a good day. On

709
00:32:55,253 --> 00:32:58,933
Speaker 8: a raining day, it's different, But on a good day

710
00:32:59,533 --> 00:33:03,013
Speaker 8: we're generating solar during the day and using it, not

711
00:33:03,013 --> 00:33:05,173
Speaker 8: putting on the grid trying to use it. Just you know,

712
00:33:05,533 --> 00:33:07,293
Speaker 8: we had a little timer on the hot water cylinder

713
00:33:07,573 --> 00:33:11,133
Speaker 8: that just keeps it and keep them so we're using

714
00:33:12,773 --> 00:33:16,133
Speaker 8: can make themselves clear. We use the more power during

715
00:33:16,133 --> 00:33:18,413
Speaker 8: that day and that's three hour period for the free

716
00:33:18,413 --> 00:33:20,773
Speaker 8: power that we are during the whole the rest of

717
00:33:20,813 --> 00:33:22,453
Speaker 8: the twenty one hours of the day.

718
00:33:22,933 --> 00:33:25,893
Speaker 3: That's smart. So just to clarify grant. So you use

719
00:33:25,973 --> 00:33:29,453
Speaker 3: your own solar energy that you're generating throughout the recent

720
00:33:29,453 --> 00:33:32,533
Speaker 3: of the day apart from from nine to midnight, because

721
00:33:32,573 --> 00:33:34,853
Speaker 3: you've got to deal with contact. That that's free power

722
00:33:34,893 --> 00:33:37,253
Speaker 3: for that three hours, correct.

723
00:33:36,973 --> 00:33:41,413
Speaker 8: And it just works a tree. And look, we get

724
00:33:41,453 --> 00:33:45,333
Speaker 8: a dirty five percent discount work for contact, But when

725
00:33:45,373 --> 00:33:48,373
Speaker 8: you go to this good Night's plan with solar, you

726
00:33:48,693 --> 00:33:53,853
Speaker 8: for code and it's it's working out cheaper than having

727
00:33:53,893 --> 00:33:56,533
Speaker 8: a thirty five percent discount. So it's just you know,

728
00:33:57,053 --> 00:34:00,733
Speaker 8: because obviously when we retire, we won't have this discount

729
00:34:00,733 --> 00:34:03,293
Speaker 8: anymore either, So we're just sticking ourselves up. I mean,

730
00:34:03,333 --> 00:34:07,213
Speaker 8: I've i've got I'm also you know, like Bruce was

731
00:34:07,493 --> 00:34:10,093
Speaker 8: saying earlier too, he was talking about trying to get

732
00:34:10,133 --> 00:34:12,093
Speaker 8: that car to home, trying to because we're looking at

733
00:34:12,172 --> 00:34:16,493
Speaker 8: buying an EV next and trying to put that car

734
00:34:16,613 --> 00:34:18,573
Speaker 8: and see house and then use the power from your

735
00:34:18,613 --> 00:34:22,293
Speaker 8: car battery. But it's obviously not there yet. But so

736
00:34:22,973 --> 00:34:26,493
Speaker 8: you both words. I mean, i've got i've got in

737
00:34:26,573 --> 00:34:29,853
Speaker 8: there in the garage, and then also are going to

738
00:34:29,893 --> 00:34:30,573
Speaker 8: be buying an EV.

739
00:34:30,773 --> 00:34:34,212
Speaker 3: So I've got us cancel each other out. I think

740
00:34:34,253 --> 00:34:37,013
Speaker 3: that's kind of neutral. Well, hey, Grant, so you.

741
00:34:37,453 --> 00:34:41,213
Speaker 2: You say you're working a power plant and you're obviously technical,

742
00:34:41,253 --> 00:34:42,933
Speaker 2: and you're the kind of guy that can think through

743
00:34:43,013 --> 00:34:44,933
Speaker 2: these things and you've got a good plan going. Do

744
00:34:44,973 --> 00:34:48,213
Speaker 2: you think solar is best for people that have the

745
00:34:48,333 --> 00:34:51,373
Speaker 2: knowledge that, you know, like a complete more and more

746
00:34:51,413 --> 00:34:53,893
Speaker 2: on like me, getting into it might end up going backwards.

747
00:34:56,573 --> 00:34:58,853
Speaker 8: I think everyone in the house is just going to be,

748
00:35:01,053 --> 00:35:04,133
Speaker 8: you know, into it. I've got to, I've got to,

749
00:35:04,493 --> 00:35:08,053
Speaker 8: you know, like the wife, she she will wait to

750
00:35:08,373 --> 00:35:10,053
Speaker 8: scruts are on till nine o'clock. We'll just set it

751
00:35:10,133 --> 00:35:12,973
Speaker 8: up to look in the giant come on at nine o'clock.

752
00:35:13,013 --> 00:35:16,013
Speaker 8: But it's just I think, and like you said before,

753
00:35:17,213 --> 00:35:19,652
Speaker 8: we're always looking at the gadget on our phones. We're

754
00:35:19,693 --> 00:35:23,293
Speaker 8: not the wife, but I am. I'm just I mean,

755
00:35:23,293 --> 00:35:27,213
Speaker 8: I'm talking to the boys at work. We're comparing how

756
00:35:27,293 --> 00:35:34,212
Speaker 8: much did you make and that, uh yeah, before we've

757
00:35:34,213 --> 00:35:37,213
Speaker 8: been doing work. We're sort of scattered around machine and

758
00:35:37,293 --> 00:35:41,293
Speaker 8: talking about this. I don't think you need to be

759
00:35:41,573 --> 00:35:47,413
Speaker 8: too you know, intellectual with with with the power industry such.

760
00:35:47,533 --> 00:35:51,573
Speaker 8: You just gotta, yeah, just gotta think about what you're

761
00:35:51,613 --> 00:35:52,493
Speaker 8: doing and when you're doing it.

762
00:35:52,893 --> 00:35:55,373
Speaker 2: Yeah, oh, thanks so much for your call. Grant and

763
00:35:55,493 --> 00:35:57,772
Speaker 2: Rajah has come back and we've we've got the soul

764
00:35:57,813 --> 00:36:02,653
Speaker 2: annoyed heating element scandal finished here he says, sorry, I

765
00:36:02,733 --> 00:36:05,933
Speaker 2: meant I was talking about the heating element. Yeah, and

766
00:36:06,213 --> 00:36:08,732
Speaker 2: a number of Texas and nine two through talking about

767
00:36:08,733 --> 00:36:11,493
Speaker 2: the element, but was calling it a solenoid. But thanks you,

768
00:36:11,533 --> 00:36:12,013
Speaker 2: Carl Raja.

769
00:36:12,253 --> 00:36:13,773
Speaker 3: That's clear that one up. Thank You're right.

770
00:36:13,813 --> 00:36:16,853
Speaker 2: Okay, more solar panel chat. Is it working for you

771
00:36:16,973 --> 00:36:18,493
Speaker 2: or is it not working for you? I've got and

772
00:36:18,693 --> 00:36:20,933
Speaker 2: coming up next, who's been off the being an early

773
00:36:21,013 --> 00:36:22,172
Speaker 2: adopter of solo yep.

774
00:36:22,293 --> 00:36:24,173
Speaker 3: If you want to jump in on this conversation, Oh

775
00:36:24,213 --> 00:36:26,212
Speaker 3: eight hundred and eighty, ten eighty is the number to call.

776
00:36:26,253 --> 00:36:31,253
Speaker 1: It is ten to two, Matteeth, Tyler Adams taking your

777
00:36:31,373 --> 00:36:33,812
Speaker 1: calls on oh eight hundred and eighty, Mad.

778
00:36:33,853 --> 00:36:37,413
Speaker 5: Eath and Tyler Adams afternoons news DOORGSB.

779
00:36:38,573 --> 00:36:40,973
Speaker 3: News talks. They'd be seven to two. We're talking about

780
00:36:41,093 --> 00:36:43,853
Speaker 3: solar and and you were an early adopter.

781
00:36:44,613 --> 00:36:45,413
Speaker 17: Yes, definitely.

782
00:36:45,573 --> 00:36:45,812
Speaker 12: Hello.

783
00:36:46,093 --> 00:36:46,333
Speaker 3: Hello.

784
00:36:47,253 --> 00:36:51,613
Speaker 17: Twenty four years ago we decided to go solar because

785
00:36:52,133 --> 00:36:53,853
Speaker 17: to get power to our place was going to be

786
00:36:53,933 --> 00:36:55,292
Speaker 17: over forty thousand.

787
00:36:55,573 --> 00:36:57,333
Speaker 7: Solar was twenty seven whereabout to you?

788
00:36:57,493 --> 00:37:00,853
Speaker 17: And we're out in the country just north of loom Array.

789
00:37:01,013 --> 00:37:02,813
Speaker 2: Okay, good spot butt a sun up there though.

790
00:37:03,573 --> 00:37:06,533
Speaker 3: Oh yes, yes, so that would have been unusual and

791
00:37:06,693 --> 00:37:09,013
Speaker 3: twenty four years ago to get into a solar and

792
00:37:09,133 --> 00:37:10,533
Speaker 3: not many people would have been doing it.

793
00:37:11,093 --> 00:37:15,213
Speaker 17: No, they weren't. No, And we were actually told, are

794
00:37:15,293 --> 00:37:16,133
Speaker 17: you old hippies?

795
00:37:18,293 --> 00:37:20,933
Speaker 3: Were you nervous about it when you took that plunge

796
00:37:20,933 --> 00:37:22,333
Speaker 3: because there was a lot of unknowns.

797
00:37:23,333 --> 00:37:25,413
Speaker 17: Yes, we were because it was a big learning curve

798
00:37:26,253 --> 00:37:28,373
Speaker 17: and there was nobody to phone up and say help

799
00:37:28,533 --> 00:37:33,413
Speaker 17: when something went wrong. So yeah, but it is absolutely

800
00:37:33,733 --> 00:37:37,773
Speaker 17: I'd thoroughly, thoroughly recommend it thoroughly. We do have a

801
00:37:37,853 --> 00:37:42,653
Speaker 17: backup generator which in the winter comes on a few times,

802
00:37:42,773 --> 00:37:48,093
Speaker 17: but in the summer it never comes on. We have

803
00:37:48,173 --> 00:37:52,093
Speaker 17: four large batteries, so the solar panels, and we've got

804
00:37:52,173 --> 00:37:56,853
Speaker 17: four large solar panels and they just fill up the batteries.

805
00:37:57,413 --> 00:38:00,173
Speaker 17: It's just so simple. We do not have a water cylinder.

806
00:38:01,493 --> 00:38:04,533
Speaker 17: We just use a caliphont and so when you turn

807
00:38:04,573 --> 00:38:08,773
Speaker 17: the hot tap on, the gas switches on and got

808
00:38:08,813 --> 00:38:09,252
Speaker 17: hot water.

809
00:38:09,533 --> 00:38:11,733
Speaker 2: Yeah, right, so you can bring the gas in.

810
00:38:12,493 --> 00:38:12,652
Speaker 17: Yep.

811
00:38:13,173 --> 00:38:15,212
Speaker 2: But and how much of you So you say you've

812
00:38:15,213 --> 00:38:17,013
Speaker 2: got the batteries, are they the same batteries that you've

813
00:38:17,053 --> 00:38:18,693
Speaker 2: got twenty four years ago? How much of the.

814
00:38:18,693 --> 00:38:23,933
Speaker 17: Systems the same custom they lasted or fourteen years I

815
00:38:23,973 --> 00:38:27,213
Speaker 17: think it was, and so we've replaced them yep, but.

816
00:38:27,333 --> 00:38:28,493
Speaker 2: The same same panels?

817
00:38:29,453 --> 00:38:32,172
Speaker 3: Yes, wow, twenty four years, I mean, is that sort

818
00:38:32,213 --> 00:38:34,212
Speaker 3: of near the end of the lifespan as.

819
00:38:34,173 --> 00:38:34,493
Speaker 18: You know it?

820
00:38:37,333 --> 00:38:40,133
Speaker 17: It could be, but we're still very optimistic.

821
00:38:40,293 --> 00:38:40,333
Speaker 11: No.

822
00:38:42,733 --> 00:38:44,533
Speaker 2: So do you think say you had been able to

823
00:38:44,613 --> 00:38:47,933
Speaker 2: connect up to the grid that do you think that

824
00:38:47,973 --> 00:38:49,692
Speaker 2: it would have been more or less than what you've

825
00:38:49,733 --> 00:38:50,733
Speaker 2: spent on solar?

826
00:38:52,013 --> 00:38:53,493
Speaker 17: Oh, if we've been on the grid, it would have

827
00:38:53,493 --> 00:39:00,373
Speaker 17: been far far more. Yeah, because really, apart from replacing

828
00:39:00,413 --> 00:39:02,493
Speaker 17: the batteries, which we've only had to do once in

829
00:39:02,573 --> 00:39:07,493
Speaker 17: the twenty four years, and some petrol for the generator

830
00:39:07,493 --> 00:39:10,172
Speaker 17: if you need to do that, there's no other cost.

831
00:39:10,773 --> 00:39:12,653
Speaker 3: You can probably tell Ann I'm a mass of layman.

832
00:39:12,733 --> 00:39:15,333
Speaker 3: But with twenty four year old solar panels, have you

833
00:39:15,493 --> 00:39:18,613
Speaker 3: noticed a degradation and how much power you can pull

834
00:39:18,653 --> 00:39:18,973
Speaker 3: off those?

835
00:39:21,053 --> 00:39:21,252
Speaker 7: Yes?

836
00:39:21,773 --> 00:39:23,172
Speaker 17: Yes, yeah, you can?

837
00:39:24,293 --> 00:39:27,493
Speaker 3: Is it much over that that twenty four years not really,

838
00:39:28,133 --> 00:39:28,533
Speaker 3: that's good.

839
00:39:28,893 --> 00:39:30,493
Speaker 2: And is it one of those things where you have

840
00:39:30,653 --> 00:39:32,213
Speaker 2: do you have to update it? Is it you have

841
00:39:32,293 --> 00:39:34,653
Speaker 2: to deal with a liking situation up there you're having.

842
00:39:34,533 --> 00:39:36,692
Speaker 17: To keep Yeah, we just make sure that there's yeah,

843
00:39:36,693 --> 00:39:40,093
Speaker 17: there's no like or anything on that, which, yes, is

844
00:39:40,173 --> 00:39:41,453
Speaker 17: really easy enough to do.

845
00:39:41,853 --> 00:39:42,013
Speaker 3: Yeah.

846
00:39:42,173 --> 00:39:44,653
Speaker 2: Wow, Thanks so much for your call, and best of

847
00:39:44,733 --> 00:39:48,053
Speaker 2: luck with your twenty four year and ongoing solar journey.

848
00:39:48,413 --> 00:39:52,213
Speaker 2: So let's keep this going on after after two way

849
00:39:52,213 --> 00:39:54,293
Speaker 2: one hundred and eighty ten eighty. How's this solar working

850
00:39:54,333 --> 00:39:55,893
Speaker 2: out for you? If you've got it, if you've if

851
00:39:55,933 --> 00:39:58,213
Speaker 2: you've had solar, and there's any hiccups in the system,

852
00:39:58,213 --> 00:40:00,813
Speaker 2: any gremlins that people need to know about, But so

853
00:40:01,013 --> 00:40:06,732
Speaker 2: far it has been pretty much one hundred percent positive positive. Yeah,

854
00:40:06,773 --> 00:40:08,573
Speaker 2: apart from a little element issue that's been gone.

855
00:40:09,013 --> 00:40:10,893
Speaker 3: Yeah, but that gives me a lot of confidence that

856
00:40:11,053 --> 00:40:13,652
Speaker 3: twenty four year old panels and still going pretty strong.

857
00:40:13,733 --> 00:40:15,893
Speaker 3: She noticed a little bit of degradation and how much

858
00:40:15,933 --> 00:40:18,453
Speaker 3: power they can sap off those things, but not too much.

859
00:40:18,573 --> 00:40:20,333
Speaker 2: Yeah, that's right. I was panicking when Bruce was talking

860
00:40:20,373 --> 00:40:22,093
Speaker 2: about and he was telling me get in now, don't

861
00:40:22,133 --> 00:40:24,613
Speaker 2: don't wait because the technology will better. But the technology

862
00:40:24,653 --> 00:40:27,053
Speaker 2: is okay now. Yeah, but we will be hearing some

863
00:40:27,133 --> 00:40:28,373
Speaker 2: gremlins coming up after two.

864
00:40:28,533 --> 00:40:30,652
Speaker 3: Oh wait, one hundred eighty ten eighty is the number

865
00:40:30,653 --> 00:40:31,693
Speaker 3: to call love to hear from you.

866
00:40:33,373 --> 00:40:36,652
Speaker 1: Your new home for Insightful And it's a teening talk.

867
00:40:36,773 --> 00:40:40,173
Speaker 1: It's Mattie and Tyler Adams Afternoons on.

868
00:40:40,373 --> 00:40:44,413
Speaker 3: News Talk sebby Good Afternoons. You welcome back into the show.

869
00:40:44,493 --> 00:40:46,853
Speaker 3: It is seven past two, and as you would have

870
00:40:46,893 --> 00:40:49,692
Speaker 3: heard in the news, good news, the Reserve Band has

871
00:40:49,733 --> 00:40:52,212
Speaker 3: cut the official can straight fifty bases points to four

872
00:40:52,253 --> 00:40:53,693
Speaker 3: point two five percent.

873
00:40:54,093 --> 00:40:55,693
Speaker 2: We all knew it was going to be fifty to anyway.

874
00:40:55,693 --> 00:40:57,933
Speaker 2: There was some speculations. Some crazy people said it might

875
00:40:57,973 --> 00:41:00,813
Speaker 2: be twenty five points. Some of us like me, were

876
00:41:00,853 --> 00:41:02,893
Speaker 2: hoping it was seventy five, but it seemed like it

877
00:41:02,933 --> 00:41:03,973
Speaker 2: was always going to be fifty.

878
00:41:03,813 --> 00:41:04,533
Speaker 3: Bang in the middle.

879
00:41:04,733 --> 00:41:04,973
Speaker 5: Yeah.

880
00:41:05,093 --> 00:41:06,973
Speaker 3: Yeah, so we can talk to lim Dan about that.

881
00:41:07,253 --> 00:41:09,933
Speaker 3: We are in about twenty five five minutes. He's digesting

882
00:41:09,973 --> 00:41:12,733
Speaker 3: all the news and hopefully some more banks move on that.

883
00:41:12,813 --> 00:41:14,093
Speaker 3: But we'll chat to on very shortly.

884
00:41:14,253 --> 00:41:16,613
Speaker 2: Yeah, that's right, And after three we will talk to

885
00:41:16,653 --> 00:41:20,453
Speaker 2: Matt Henry ahead of this Test match in christ Church

886
00:41:20,493 --> 00:41:23,933
Speaker 2: against the English coming up. He's in fantastic form. Matt

887
00:41:23,933 --> 00:41:25,493
Speaker 2: Henry looks a lot like mister Darcy.

888
00:41:26,053 --> 00:41:26,893
Speaker 3: He's a good look a man.

889
00:41:27,133 --> 00:41:30,853
Speaker 2: Yeah, and he's an absolute scintillating form at the moment.

890
00:41:30,933 --> 00:41:33,053
Speaker 2: So looking forward to talking to that great New Zealander

891
00:41:33,093 --> 00:41:34,293
Speaker 2: after three fantastic.

892
00:41:34,373 --> 00:41:36,653
Speaker 3: But we have been chatting about Sola energy on the

893
00:41:36,733 --> 00:41:41,773
Speaker 3: back of Solar Zero going into liquidation. Fifteen thousand customers

894
00:41:41,933 --> 00:41:43,893
Speaker 3: now unsure what happens to their solar panels.

895
00:41:44,093 --> 00:41:46,893
Speaker 2: Yeah, it's an interesting one with Solar zero, and we

896
00:41:46,933 --> 00:41:49,253
Speaker 2: want to talk about the widest solar thing. Not so

897
00:41:49,373 --> 00:41:52,652
Speaker 2: much about Solar zero, but bought by black Rock. They

898
00:41:52,693 --> 00:41:55,773
Speaker 2: had a potential huge injection of cats not so long

899
00:41:55,813 --> 00:41:58,573
Speaker 2: ago and it just seems to have gone south so quickly. Yeah,

900
00:41:58,693 --> 00:42:01,333
Speaker 2: so it'd be interesting. We'll look forward. We'll look into

901
00:42:01,373 --> 00:42:03,053
Speaker 2: this over the next a week or so.

902
00:42:04,173 --> 00:42:06,653
Speaker 3: The terms of the liquidation, yeah, I think that's about

903
00:42:06,693 --> 00:42:09,333
Speaker 3: five days according to some of our reporters out there

904
00:42:09,413 --> 00:42:10,973
Speaker 3: on the hero that we get to find out we're

905
00:42:10,973 --> 00:42:11,853
Speaker 3: all that money were.

906
00:42:11,813 --> 00:42:14,653
Speaker 2: But talking about and what happens to the people that

907
00:42:14,893 --> 00:42:18,133
Speaker 2: have with their current subscription to Solar zero.

908
00:42:18,293 --> 00:42:20,413
Speaker 3: Yeah. But I've got to say, Matt, when we're talking

909
00:42:20,413 --> 00:42:23,133
Speaker 3: about solar in general, I don't think we've had one

910
00:42:23,213 --> 00:42:26,212
Speaker 3: caller so far that has said it's rubbish. Wish I'd

911
00:42:26,253 --> 00:42:28,533
Speaker 3: never done it. So much positivity, Yeah, that's right.

912
00:42:28,733 --> 00:42:30,653
Speaker 2: Eight one hundred and eighty ten eighty. If you do

913
00:42:30,853 --> 00:42:33,413
Speaker 2: see some gremlins in the works with a solar energy,

914
00:42:33,413 --> 00:42:37,293
Speaker 2: any problems, any tips for people, But yeah, pretty pretty

915
00:42:37,453 --> 00:42:40,373
Speaker 2: positive so far. I'm actually getting reason excited about the

916
00:42:40,453 --> 00:42:42,293
Speaker 2: idea of it. I love the idea of having a

917
00:42:42,333 --> 00:42:44,453
Speaker 2: little app on your phone and you see the power

918
00:42:44,533 --> 00:42:47,133
Speaker 2: going in and power going out. I think that's that

919
00:42:47,253 --> 00:42:49,573
Speaker 2: kind of dinky thing that appeals to people like me.

920
00:42:49,733 --> 00:42:51,693
Speaker 3: I was just pricing up a Tesla power wall on

921
00:42:51,733 --> 00:42:54,373
Speaker 3: the back of one of the callers. Looks good, about

922
00:42:54,453 --> 00:42:57,453
Speaker 3: thirteen k yeah, yeah, and I'm looking into it. So

923
00:42:57,973 --> 00:43:01,732
Speaker 3: total expenditure, the rough estimation to get it all set

924
00:43:01,813 --> 00:43:05,013
Speaker 3: up was about sixteen eight hundred bucks to get the

925
00:43:05,173 --> 00:43:05,973
Speaker 3: power wall set up.

926
00:43:06,093 --> 00:43:07,413
Speaker 2: And what about the panels in your roof.

927
00:43:07,453 --> 00:43:08,773
Speaker 3: I haven't got that far yet. I'm just look going

928
00:43:08,813 --> 00:43:09,613
Speaker 3: to batteries at this point.

929
00:43:09,653 --> 00:43:11,613
Speaker 2: Well, if someone knows, you know, because I think we

930
00:43:11,693 --> 00:43:14,293
Speaker 2: had thirty four thousand dollars. It was one call. It

931
00:43:14,693 --> 00:43:16,692
Speaker 2: was their total set up. But they got a green

932
00:43:17,173 --> 00:43:19,413
Speaker 2: Energy loan for that. But yeah, do you have solar?

933
00:43:19,533 --> 00:43:21,172
Speaker 2: Is it working out for you? Or did you get

934
00:43:21,253 --> 00:43:24,733
Speaker 2: solar and it has been disappointing or problematic? Eight hundred

935
00:43:24,733 --> 00:43:29,333
Speaker 2: and eighty ten eighty Peter, you're running a solar set up?

936
00:43:30,613 --> 00:43:32,813
Speaker 19: Yeah, you're gonna have to note about three years ago,

937
00:43:32,973 --> 00:43:35,453
Speaker 19: we thought power prices we're going to go up, so

938
00:43:35,733 --> 00:43:39,533
Speaker 19: we went and bought a solar system. We live in

939
00:43:39,733 --> 00:43:46,253
Speaker 19: sunny Capny Coast, Lovely, and the I discovered that they

940
00:43:46,413 --> 00:43:50,053
Speaker 19: put the power wall was a Tesla power wall, so

941
00:43:50,613 --> 00:43:52,773
Speaker 19: I thought, oh well, I better buy a Tesla too,

942
00:43:52,933 --> 00:43:54,812
Speaker 19: So we actually bought a Tesla as.

943
00:43:54,773 --> 00:43:56,773
Speaker 3: Well, good Man, not in the same.

944
00:43:56,613 --> 00:43:59,973
Speaker 19: Deal, but for both of them you can get a

945
00:44:00,093 --> 00:44:03,373
Speaker 19: one percent loan, which is pretty handy.

946
00:44:03,533 --> 00:44:05,053
Speaker 2: And who are you getting the one percent loan of

947
00:44:06,173 --> 00:44:10,013
Speaker 2: a Oh yeah, yes, yep. And one of the terms

948
00:44:10,053 --> 00:44:11,533
Speaker 2: of that loan is that is that a sort of

949
00:44:11,933 --> 00:44:12,293
Speaker 2: because of.

950
00:44:14,013 --> 00:44:16,093
Speaker 19: That I didn't mine over three years.

951
00:44:16,213 --> 00:44:16,413
Speaker 2: Yeah.

952
00:44:16,493 --> 00:44:16,692
Speaker 13: Yeah.

953
00:44:17,173 --> 00:44:20,493
Speaker 3: Funnily enough, theater I tenped in that very same deal

954
00:44:20,573 --> 00:44:22,652
Speaker 3: with the hybrid that we purchase, and I think it's

955
00:44:22,733 --> 00:44:24,813
Speaker 3: up to eighty thousand, is it that you can get

956
00:44:25,533 --> 00:44:27,853
Speaker 3: maybe an e V and then some solar panels to boot.

957
00:44:28,893 --> 00:44:32,733
Speaker 19: Yeah, well, the the the loan, the cheap loan was

958
00:44:32,813 --> 00:44:35,853
Speaker 19: on the Tesla. I actually paid paid for the other

959
00:44:35,933 --> 00:44:40,093
Speaker 19: one before I knew about the loan. But anyway, in

960
00:44:40,213 --> 00:44:44,573
Speaker 19: the last year we have used five thousand chilo watts,

961
00:44:44,653 --> 00:44:49,453
Speaker 19: which is a mega megawatts, five megawatts, but we've generated

962
00:44:49,533 --> 00:44:55,573
Speaker 19: six megawatts. So the the answer, the best thing is

963
00:44:55,733 --> 00:44:58,293
Speaker 19: you've got to be a decent consumer of power to

964
00:44:58,453 --> 00:44:59,093
Speaker 19: use it all, you know.

965
00:44:59,533 --> 00:45:01,813
Speaker 3: Yeah, yeah, and so and so that.

966
00:45:03,773 --> 00:45:05,813
Speaker 2: It seems like it seems like something quite intense going

967
00:45:05,853 --> 00:45:13,293
Speaker 2: on in the background there. But okay, so so so

968
00:45:13,373 --> 00:45:15,772
Speaker 2: when you're you're you're over generating, and is that going

969
00:45:15,813 --> 00:45:18,013
Speaker 2: back into the grid and you're getting credits on that.

970
00:45:19,133 --> 00:45:23,453
Speaker 19: You're getting seven seventeen cents from Meridian for for that.

971
00:45:23,773 --> 00:45:27,413
Speaker 19: We pay thirty cents to when we buy it, but

972
00:45:27,893 --> 00:45:30,652
Speaker 19: we don't buy it, buy very little. We have our

973
00:45:30,773 --> 00:45:34,133
Speaker 19: power bill sits around about forty four dollars and.

974
00:45:34,173 --> 00:45:35,853
Speaker 2: That and that is running your and that's running your

975
00:45:35,893 --> 00:45:36,573
Speaker 2: tesla as well.

976
00:45:37,653 --> 00:45:41,453
Speaker 19: Yeah, wow, absolutely sold on it.

977
00:45:42,093 --> 00:45:44,973
Speaker 2: It's amazing and you and you know you're doing you're

978
00:45:45,013 --> 00:45:46,293
Speaker 2: doing a lot of k's in your tesla.

979
00:45:47,573 --> 00:45:50,253
Speaker 19: I've done fifty k in the last two years.

980
00:45:50,533 --> 00:45:52,293
Speaker 2: Is that your tesla that's telling you off for speeding?

981
00:45:53,733 --> 00:45:53,933
Speaker 15: Yeah?

982
00:45:54,573 --> 00:45:54,732
Speaker 8: Yeah?

983
00:45:55,173 --> 00:45:56,252
Speaker 3: What model did you get, Peter?

984
00:45:57,413 --> 00:45:58,053
Speaker 19: Model three?

985
00:45:58,413 --> 00:45:58,813
Speaker 3: You love it?

986
00:46:00,013 --> 00:46:00,212
Speaker 6: Yeah?

987
00:46:00,893 --> 00:46:03,812
Speaker 2: I mean, I mean that's going to appeal for people.

988
00:46:03,893 --> 00:46:06,373
Speaker 2: That's going to appeal to people that you you've got

989
00:46:06,453 --> 00:46:08,853
Speaker 2: your solar set up and it's power in your car

990
00:46:09,413 --> 00:46:12,133
Speaker 2: as well, and you're putting energy back into the grid.

991
00:46:12,253 --> 00:46:14,733
Speaker 2: That seems there's a few tricks to it.

992
00:46:15,773 --> 00:46:18,213
Speaker 19: Yeah, it's no good if you've gone out for the

993
00:46:18,333 --> 00:46:21,652
Speaker 19: day and then you come home and charge your car up.

994
00:46:21,733 --> 00:46:22,053
Speaker 15: You can't.

995
00:46:22,293 --> 00:46:25,613
Speaker 19: It doesn't work that way because your back for gets empty.

996
00:46:25,813 --> 00:46:28,133
Speaker 19: So the best thing to do is to suggest to

997
00:46:28,213 --> 00:46:31,573
Speaker 19: your wife that she walks to the shops and and

998
00:46:31,693 --> 00:46:34,853
Speaker 19: you get the car plugged in between eleven o'clock and

999
00:46:35,093 --> 00:46:38,413
Speaker 19: say three thirty, and then it's almost full.

1000
00:46:38,813 --> 00:46:40,893
Speaker 3: So you slow charge it, do you, Peter? Is that right?

1001
00:46:40,933 --> 00:46:42,933
Speaker 3: You just plug it into a normal household plug and

1002
00:46:42,973 --> 00:46:43,813
Speaker 3: it slow charges it.

1003
00:46:44,813 --> 00:46:47,373
Speaker 19: No, No, I got the real McCoy too, So I've

1004
00:46:47,373 --> 00:46:50,613
Speaker 19: got a test for charger. I don't know how much

1005
00:46:50,653 --> 00:46:53,573
Speaker 19: it charges, but it's the profit of the plug that

1006
00:46:53,653 --> 00:46:56,573
Speaker 19: you're plug in at the if you're buying it commercially

1007
00:46:56,653 --> 00:46:57,573
Speaker 19: as well, So.

1008
00:46:57,613 --> 00:46:59,933
Speaker 2: When you're charging between what did you say, eleven am

1009
00:47:00,093 --> 00:47:03,773
Speaker 2: and three pm, so you don't basically in the in

1010
00:47:03,853 --> 00:47:06,613
Speaker 2: the in the the the most powerful sun hours.

1011
00:47:07,813 --> 00:47:10,812
Speaker 19: Yeah, yeah, no point in trying to charge it at Uh.

1012
00:47:12,133 --> 00:47:14,493
Speaker 2: That's right, that's right, yeah, because then you're just going

1013
00:47:14,533 --> 00:47:15,973
Speaker 2: from one battery to another battery.

1014
00:47:16,213 --> 00:47:16,373
Speaker 4: Yeah.

1015
00:47:16,453 --> 00:47:18,933
Speaker 5: Yeah, I'm really really.

1016
00:47:18,773 --> 00:47:23,813
Speaker 19: Into alternative powers. I actually managed the construction the two

1017
00:47:24,893 --> 00:47:29,293
Speaker 19: wind farms and so the solar is just a little

1018
00:47:29,333 --> 00:47:33,133
Speaker 19: bit off the side of that. But yeah, that renewable

1019
00:47:33,253 --> 00:47:34,173
Speaker 19: energy's fantastic.

1020
00:47:34,413 --> 00:47:35,813
Speaker 3: Yeah, I love it. And how much did you pay

1021
00:47:35,853 --> 00:47:38,212
Speaker 3: for their power wall? I just mentioned some numbers there

1022
00:47:38,413 --> 00:47:39,652
Speaker 3: off the internet. What did you pay?

1023
00:47:41,933 --> 00:47:45,252
Speaker 2: The whole thing was thirty So that was with the power,

1024
00:47:45,373 --> 00:47:46,933
Speaker 2: the power wall and the panels.

1025
00:47:48,173 --> 00:47:52,212
Speaker 19: Yeah, I got twelve panels. I actually brought a couple.

1026
00:47:52,933 --> 00:47:55,493
Speaker 19: A couple more had of roof space. I put an

1027
00:47:55,533 --> 00:47:58,173
Speaker 19: extra two on, but it was a bit over thirty

1028
00:47:58,253 --> 00:48:01,013
Speaker 19: for the for fourteen panels and a power wall.

1029
00:48:01,253 --> 00:48:03,652
Speaker 2: Yeah, and how often you up the spraying the wit

1030
00:48:03,733 --> 00:48:05,813
Speaker 2: and forget around and making sure that the panels don't

1031
00:48:05,813 --> 00:48:08,212
Speaker 2: get covered and liking.

1032
00:48:09,213 --> 00:48:12,333
Speaker 19: Pollend clean them once.

1033
00:48:12,573 --> 00:48:19,373
Speaker 2: Yeah, well you've cleaned them once. How dirty do they

1034
00:48:19,413 --> 00:48:23,773
Speaker 2: have to get before you noticeably notice that that the

1035
00:48:24,173 --> 00:48:25,773
Speaker 2: amount of energy coming in is going down?

1036
00:48:27,173 --> 00:48:30,933
Speaker 19: Don't notice it? It's not liking on it. Well, I

1037
00:48:30,973 --> 00:48:31,973
Speaker 19: can see from the bottom.

1038
00:48:32,373 --> 00:48:35,373
Speaker 2: See. I don't know, I don't know if I might

1039
00:48:35,453 --> 00:48:38,213
Speaker 2: be misunderstanding. I've just removed so much liking off the

1040
00:48:38,293 --> 00:48:40,413
Speaker 2: roof of my house to paint the roof.

1041
00:48:41,573 --> 00:48:41,772
Speaker 8: Where.

1042
00:48:42,333 --> 00:48:43,413
Speaker 19: What area do you live in?

1043
00:48:44,053 --> 00:48:45,013
Speaker 2: Mounted in an Auckland?

1044
00:48:46,013 --> 00:48:48,533
Speaker 19: Yeah, okay, So I bought a yacht a few years

1045
00:48:48,573 --> 00:48:51,733
Speaker 19: ago and it had likeing on the on the spreaders

1046
00:48:51,773 --> 00:48:55,013
Speaker 19: of the mast and it was an Auckland based shot.

1047
00:48:55,493 --> 00:48:57,933
Speaker 19: Then I shifted it down the well inst and the

1048
00:48:58,013 --> 00:49:00,213
Speaker 19: sounds and it never gets the like And so it's

1049
00:49:00,253 --> 00:49:01,373
Speaker 19: a liking in an Auckland.

1050
00:49:01,853 --> 00:49:06,853
Speaker 3: You Yeah, what you don't need like like Aukland.

1051
00:49:07,133 --> 00:49:08,973
Speaker 2: Is that a saying liking like Aalklands?

1052
00:49:09,413 --> 00:49:09,573
Speaker 5: Yeah?

1053
00:49:09,653 --> 00:49:12,733
Speaker 3: Yeah, Peter, thank you very much. Very interesting. Oh one

1054
00:49:12,813 --> 00:49:14,493
Speaker 3: hundred eighty ten eighty is the number to call Love

1055
00:49:14,533 --> 00:49:17,293
Speaker 3: to hear your solar experiences. It is quarter past two.

1056
00:49:18,573 --> 00:49:23,293
Speaker 1: Your new home of Afternoon Talk and Taylor Adams Afternoon Call.

1057
00:49:23,453 --> 00:49:26,133
Speaker 5: Oh, eight hundred eighty ten eighty news talks'd be.

1058
00:49:27,453 --> 00:49:31,893
Speaker 2: We've been talking about solar panels, solar energy after solar

1059
00:49:32,013 --> 00:49:35,133
Speaker 2: zero has gone into liquidation. We've been asking if people

1060
00:49:35,133 --> 00:49:38,213
Speaker 2: have solo and we've had an hour and about eighteen

1061
00:49:38,293 --> 00:49:42,213
Speaker 2: minutes of people with nothing but positive thoughts on solar.

1062
00:49:42,613 --> 00:49:44,853
Speaker 2: We've got Barry who's had some problems.

1063
00:49:44,933 --> 00:49:49,613
Speaker 7: Welcome to the show, Tyler, great show boys. You look,

1064
00:49:49,693 --> 00:49:53,213
Speaker 7: I don't recall it, but I've been listening to everybody

1065
00:49:53,613 --> 00:49:57,533
Speaker 7: in the positive spins on solar and not for me.

1066
00:49:57,773 --> 00:49:58,413
Speaker 3: You know, we did it.

1067
00:49:59,173 --> 00:50:02,333
Speaker 7: We put solo on a cowshed in another business and.

1068
00:50:02,373 --> 00:50:04,333
Speaker 6: It was just to disaster.

1069
00:50:05,333 --> 00:50:05,853
Speaker 2: Oh how come?

1070
00:50:05,933 --> 00:50:06,133
Speaker 16: What? What?

1071
00:50:06,253 --> 00:50:06,813
Speaker 3: What went down?

1072
00:50:06,893 --> 00:50:07,133
Speaker 2: Barry?

1073
00:50:08,533 --> 00:50:12,413
Speaker 7: Well, dress of all, they didn't hook it up to

1074
00:50:12,453 --> 00:50:15,173
Speaker 7: the group for quite some time, so we weren't getting

1075
00:50:15,173 --> 00:50:18,693
Speaker 7: any any checkbacks. You know, frexis power that we generated.

1076
00:50:19,133 --> 00:50:22,133
Speaker 7: And then the next thing, having them burnt the cowshed down.

1077
00:50:22,573 --> 00:50:24,093
Speaker 7: Oh it was another story.

1078
00:50:24,373 --> 00:50:24,533
Speaker 11: OK.

1079
00:50:24,813 --> 00:50:27,493
Speaker 7: And it's just that this shares no savings in it.

1080
00:50:28,133 --> 00:50:30,533
Speaker 3: Well yeah, I mean if it sparked the fire that

1081
00:50:30,653 --> 00:50:33,253
Speaker 3: burnt the cowshed down, that's a big cost there is

1082
00:50:33,293 --> 00:50:35,653
Speaker 3: that what happened, So there was a spark or something

1083
00:50:35,733 --> 00:50:39,053
Speaker 3: happened with the solar panel. It wasn't properly then that

1084
00:50:39,213 --> 00:50:39,413
Speaker 3: it was.

1085
00:50:39,533 --> 00:50:41,853
Speaker 7: It wasn't It was too close to the main power

1086
00:50:41,933 --> 00:50:45,133
Speaker 7: source and they couldn't prove it. Of course, insurance, you know,

1087
00:50:45,173 --> 00:50:47,973
Speaker 7: there was a big investigation, of course, and they said

1088
00:50:48,013 --> 00:50:50,653
Speaker 7: that's the problem, but we cannot prove it beyond or

1089
00:50:50,693 --> 00:50:51,453
Speaker 7: reasonable doubts.

1090
00:50:52,573 --> 00:50:54,693
Speaker 8: You know, we have a couple of businesses.

1091
00:50:54,733 --> 00:50:57,293
Speaker 7: We didn't put on the home fortunately.

1092
00:50:56,893 --> 00:50:56,973
Speaker 16: But.

1093
00:50:59,093 --> 00:51:00,253
Speaker 3: Me and BARRYE.

1094
00:51:00,333 --> 00:51:03,093
Speaker 2: Do you think that was more of an era from

1095
00:51:03,493 --> 00:51:06,333
Speaker 2: the people that were installing it for you than the

1096
00:51:06,693 --> 00:51:10,213
Speaker 2: basic principle of solar power.

1097
00:51:11,533 --> 00:51:13,933
Speaker 7: Well, look, we actually put it into One was a

1098
00:51:14,013 --> 00:51:17,653
Speaker 7: couch and one was another business some distance. Await and

1099
00:51:18,533 --> 00:51:20,213
Speaker 7: look for what you pay for it to have an

1100
00:51:20,293 --> 00:51:24,693
Speaker 7: installed for me? The savings just weren't there. Certainly was

1101
00:51:24,733 --> 00:51:27,133
Speaker 7: not worthwhile, and I could turn down the back of

1102
00:51:27,133 --> 00:51:28,533
Speaker 7: the clock. I certainly wouldn't have done it.

1103
00:51:28,893 --> 00:51:30,333
Speaker 2: Oh well, I thank you for that, Barry. And it's

1104
00:51:30,333 --> 00:51:32,533
Speaker 2: always good to hear from a Barry. Whenever I talked

1105
00:51:32,533 --> 00:51:34,813
Speaker 2: to a Barry, I point out that I called my

1106
00:51:34,893 --> 00:51:37,813
Speaker 2: son Barry. I called my son Barry Barry in two

1107
00:51:37,853 --> 00:51:39,613
Speaker 2: thousand and nine. So I'm trying to keep the Barry

1108
00:51:39,693 --> 00:51:43,333
Speaker 2: name going because I think it's a fantastic name, and

1109
00:51:43,853 --> 00:51:44,853
Speaker 2: I've never met a Barrier.

1110
00:51:44,853 --> 00:51:47,213
Speaker 3: I don't like it's a good history behind Barry. I

1111
00:51:47,333 --> 00:51:49,252
Speaker 3: E one hundred and eighty ten eighty is the number

1112
00:51:49,253 --> 00:51:51,853
Speaker 3: to call just a text tier or question from the

1113
00:51:51,893 --> 00:51:54,693
Speaker 3: text machine. Hey, guys, can you ask callers if having

1114
00:51:54,893 --> 00:51:58,813
Speaker 3: a battery affixed their insurance. It's a good question because

1115
00:51:58,973 --> 00:52:03,293
Speaker 3: insurance companies are getting a little bit nervous about evs.

1116
00:52:03,333 --> 00:52:05,533
Speaker 3: I know I had questions from my insurance company about

1117
00:52:05,533 --> 00:52:05,933
Speaker 3: my hybrid.

1118
00:52:06,173 --> 00:52:11,693
Speaker 2: Yeah, because when a battery in an ev or for solivent,

1119
00:52:11,733 --> 00:52:14,853
Speaker 2: when it starts burning. I've seen the videos at Burns

1120
00:52:14,933 --> 00:52:17,253
Speaker 2: and Burns, and there's been some situations at sea with

1121
00:52:18,493 --> 00:52:21,693
Speaker 2: EV's going up and they just go and go and go.

1122
00:52:22,413 --> 00:52:24,933
Speaker 2: In fact, my dad gave me an e bike recently

1123
00:52:25,053 --> 00:52:27,653
Speaker 2: because he fell off and didn't want to ride it anymore.

1124
00:52:27,853 --> 00:52:31,813
Speaker 2: Thanks dad, I'm loving zipping around on your e box.

1125
00:52:31,853 --> 00:52:32,613
Speaker 3: Is that a nice bike?

1126
00:52:34,013 --> 00:52:36,813
Speaker 2: It's a pretty cool little orange. It's slightly humiliating, but

1127
00:52:36,893 --> 00:52:39,813
Speaker 2: it's true. It's a fold up e bike.

1128
00:52:39,893 --> 00:52:40,772
Speaker 3: Oh, nice, yep.

1129
00:52:41,293 --> 00:52:43,253
Speaker 2: But he was enjoying the rail rail trail and then

1130
00:52:43,293 --> 00:52:44,533
Speaker 2: he fell off and he thought that's not for me,

1131
00:52:44,613 --> 00:52:48,253
Speaker 2: so we shipped it up here. But he's a technologically

1132
00:52:48,333 --> 00:52:51,693
Speaker 2: minded person and he was adamant to give it to

1133
00:52:51,733 --> 00:52:53,732
Speaker 2: me that I wasn't leave it plugged in all the time,

1134
00:52:54,333 --> 00:52:55,653
Speaker 2: because you know a lot of people come home with

1135
00:52:55,653 --> 00:52:56,733
Speaker 2: their e bikes and they just plug it in and

1136
00:52:56,853 --> 00:52:58,533
Speaker 2: leave it in. And he goes that, your dad is

1137
00:52:58,613 --> 00:53:01,733
Speaker 2: risky leaving it plugged in. So I'd be interested to

1138
00:53:01,773 --> 00:53:04,453
Speaker 2: hear about that with having those batteries in your house

1139
00:53:04,533 --> 00:53:07,853
Speaker 2: for solar doesn't fect your insurance and if people are

1140
00:53:07,853 --> 00:53:10,973
Speaker 2: worried about that, because they are, Yeah, yeah, As I say,

1141
00:53:11,373 --> 00:53:14,053
Speaker 2: when they burn, they burn in a way that's not

1142
00:53:14,133 --> 00:53:16,333
Speaker 2: got out, quite different to anything else you've seen.

1143
00:53:16,373 --> 00:53:16,573
Speaker 18: Yeah.

1144
00:53:16,573 --> 00:53:18,333
Speaker 3: Absolutely. If you know nine two nine two is the

1145
00:53:18,333 --> 00:53:20,093
Speaker 3: teach number, it's twenty two past two.

1146
00:53:25,493 --> 00:53:28,812
Speaker 1: Matt Heath and Tyler Adams afternoons call oh eight hundred

1147
00:53:28,853 --> 00:53:30,853
Speaker 1: and eighty ten eighty on us talks V.

1148
00:53:31,053 --> 00:53:34,093
Speaker 3: Good afternoon, twenty four pasts too, just to quick text

1149
00:53:34,173 --> 00:53:36,493
Speaker 3: to get a Tyler. Did you drive your EV all

1150
00:53:36,533 --> 00:53:39,732
Speaker 3: the way out from christ Chute? So How easy was it? Yes,

1151
00:53:39,813 --> 00:53:41,693
Speaker 3: I did, but it's not a full EV, it's a hybrid,

1152
00:53:41,773 --> 00:53:44,212
Speaker 3: so it was piece of pie. When I ran out

1153
00:53:44,293 --> 00:53:46,933
Speaker 3: of juice, I just filled it up at the guest stations,

1154
00:53:47,053 --> 00:53:47,533
Speaker 3: no problem.

1155
00:53:48,173 --> 00:53:50,373
Speaker 2: Yeah, I mean that must be peace of mind, because

1156
00:53:50,773 --> 00:53:52,173
Speaker 2: you know you're running up. You have to do a

1157
00:53:52,253 --> 00:53:55,973
Speaker 2: bit of organization if you're going to bring a straight

1158
00:53:56,093 --> 00:53:57,212
Speaker 2: EV up from christ Church.

1159
00:53:57,333 --> 00:53:57,493
Speaker 5: Yeah.

1160
00:53:57,533 --> 00:53:58,853
Speaker 3: Yeah, there would be a bit of planning, wouldn't it.

1161
00:53:59,013 --> 00:54:01,013
Speaker 3: Range anxiety, Yeah, it's still there.

1162
00:54:01,733 --> 00:54:04,093
Speaker 2: How do because I guess you'd have to start modologers

1163
00:54:04,173 --> 00:54:07,413
Speaker 2: or motels to charge it. I wonder how they feel

1164
00:54:07,413 --> 00:54:11,493
Speaker 2: about you running a an extension cart out charge up

1165
00:54:11,573 --> 00:54:13,533
Speaker 2: your EV on the way.

1166
00:54:13,493 --> 00:54:14,573
Speaker 3: Up the country exactly.

1167
00:54:14,893 --> 00:54:15,173
Speaker 13: But we have.

1168
00:54:15,453 --> 00:54:17,773
Speaker 2: I was shooting a television show recently up north and

1169
00:54:17,893 --> 00:54:20,413
Speaker 2: one of the producers turned up and we were shooting

1170
00:54:20,453 --> 00:54:23,253
Speaker 2: in a church and I went around the side of

1171
00:54:23,253 --> 00:54:26,933
Speaker 2: the building and this high flooting producer, great man, but

1172
00:54:27,333 --> 00:54:28,293
Speaker 2: high flooting producer.

1173
00:54:28,573 --> 00:54:28,893
Speaker 8: He ran.

1174
00:54:29,293 --> 00:54:32,213
Speaker 2: He ran a power called at the back of the

1175
00:54:32,293 --> 00:54:34,133
Speaker 2: church to charge up as EV.

1176
00:54:34,333 --> 00:54:34,692
Speaker 3: Good man.

1177
00:54:34,973 --> 00:54:36,693
Speaker 4: I like it was.

1178
00:54:37,453 --> 00:54:39,333
Speaker 2: He was nicking power from God.

1179
00:54:39,533 --> 00:54:39,853
Speaker 5: He was.

1180
00:54:40,733 --> 00:54:42,893
Speaker 3: Even though I only get fifty k's out of my battery.

1181
00:54:42,973 --> 00:54:44,733
Speaker 3: I still do that. If I go to an Airbnb,

1182
00:54:45,213 --> 00:54:47,453
Speaker 3: if the owner's not around, I'll run an extension court out.

1183
00:54:47,613 --> 00:54:49,693
Speaker 3: I'm taking that power. You haven't paid good money, you

1184
00:54:49,853 --> 00:54:54,293
Speaker 3: dirty dog. We have been talking about solar energy and

1185
00:54:54,453 --> 00:54:57,133
Speaker 3: plenty of text and calls that come through on this ben.

1186
00:54:57,613 --> 00:54:59,773
Speaker 3: You've kind of taken us full circle because we started

1187
00:54:59,773 --> 00:55:02,933
Speaker 3: off this conversation talking about Solar Zero. Now in liquidation,

1188
00:55:03,093 --> 00:55:03,773
Speaker 3: you're a customer.

1189
00:55:05,893 --> 00:55:11,373
Speaker 15: I've been with about four or flog Not one can

1190
00:55:11,413 --> 00:55:15,453
Speaker 15: plain against them, to be honest, it's been for a

1191
00:55:15,613 --> 00:55:20,493
Speaker 15: zero money thing. But I'll say probably anywhere from a

1192
00:55:20,613 --> 00:55:22,652
Speaker 15: quarter to a half of my pair. But every month

1193
00:55:22,733 --> 00:55:26,053
Speaker 15: since Now, that's the thing I'm not sure about. It's

1194
00:55:26,093 --> 00:55:29,453
Speaker 15: I've been a locked in contracts for eight cents to

1195
00:55:29,573 --> 00:55:31,253
Speaker 15: kill a lot when I buy them a power when

1196
00:55:31,293 --> 00:55:35,093
Speaker 15: I go out on the grind and it's got an

1197
00:55:35,133 --> 00:55:38,493
Speaker 15: official document. So if they do go bus, does that

1198
00:55:38,693 --> 00:55:42,373
Speaker 15: mean the power provider that they apply to us, does

1199
00:55:42,413 --> 00:55:45,413
Speaker 15: that mean they have to fullfloard or have you heard anything?

1200
00:55:45,533 --> 00:55:48,613
Speaker 2: Have you heard anything from Solar zero since since this

1201
00:55:48,773 --> 00:55:50,573
Speaker 2: news that they've gone into liquidation.

1202
00:55:51,373 --> 00:55:54,133
Speaker 15: No, just to news, whether just saying lot you're an

1203
00:55:54,173 --> 00:55:57,613
Speaker 15: existing comment customer. We're just going to carry on as

1204
00:55:57,693 --> 00:56:01,293
Speaker 15: normal at this stage. So things have changed.

1205
00:56:01,333 --> 00:56:01,773
Speaker 19: Backs off.

1206
00:56:02,013 --> 00:56:04,373
Speaker 15: I never paid a cents towards put the install it.

1207
00:56:05,053 --> 00:56:07,573
Speaker 15: I gave the guys. I gave the guys at fifteen

1208
00:56:07,653 --> 00:56:09,613
Speaker 15: out of ten to put that in. It was just

1209
00:56:09,853 --> 00:56:13,573
Speaker 15: absolutely top notch. They've got two pair boards and a

1210
00:56:13,693 --> 00:56:18,613
Speaker 15: teacher and yeah, I've had nothing but good stuff out

1211
00:56:18,653 --> 00:56:22,613
Speaker 15: of them since and during this yesterday was that brod.

1212
00:56:24,253 --> 00:56:24,813
Speaker 12: Whats going on?

1213
00:56:26,133 --> 00:56:28,173
Speaker 2: So when you when you got you've got free installation,

1214
00:56:28,453 --> 00:56:32,133
Speaker 2: but you were you were also power paying a monthly subscription.

1215
00:56:32,293 --> 00:56:32,692
Speaker 20: Is that right?

1216
00:56:33,773 --> 00:56:34,373
Speaker 19: That's correct?

1217
00:56:34,693 --> 00:56:34,853
Speaker 16: Now?

1218
00:56:35,213 --> 00:56:38,893
Speaker 15: They also they have a deal like if I talk

1219
00:56:39,013 --> 00:56:40,893
Speaker 15: you and to it, for example, they give me a

1220
00:56:41,613 --> 00:56:44,652
Speaker 15: thousand dollars credit account. So I've just saild one a year.

1221
00:56:44,733 --> 00:56:49,413
Speaker 15: I've put for five years, so it's five people AFL.

1222
00:56:49,413 --> 00:56:50,813
Speaker 15: They're going to bring me up tonight and give me

1223
00:56:50,893 --> 00:56:51,133
Speaker 15: a bit.

1224
00:56:51,093 --> 00:56:51,293
Speaker 6: Of a.

1225
00:56:53,493 --> 00:56:56,293
Speaker 15: But I just used that five. I just used those five,

1226
00:56:56,413 --> 00:57:01,653
Speaker 15: those thousand dollars to pay for my thank you rental

1227
00:57:01,733 --> 00:57:02,533
Speaker 15: for the year, you know.

1228
00:57:02,973 --> 00:57:05,533
Speaker 3: And so you've still got what twenty years on the contract,

1229
00:57:05,573 --> 00:57:06,053
Speaker 3: give or take.

1230
00:57:07,213 --> 00:57:09,333
Speaker 15: Yeah, I think it was a twin a year contract.

1231
00:57:09,413 --> 00:57:13,373
Speaker 15: And after ten years, you're pretty much owner at sures.

1232
00:57:14,253 --> 00:57:16,853
Speaker 15: You get you get two batteries, you get the one

1233
00:57:16,933 --> 00:57:19,773
Speaker 15: they give you at the start they had a thing

1234
00:57:19,813 --> 00:57:23,213
Speaker 15: with Panasonic, so it's all Panasonic equipments on a battery.

1235
00:57:24,773 --> 00:57:27,813
Speaker 15: And when when that one died after about ten years,

1236
00:57:28,173 --> 00:57:30,293
Speaker 15: they were meant to give us take him back three

1237
00:57:30,373 --> 00:57:30,733
Speaker 15: as well.

1238
00:57:30,973 --> 00:57:33,373
Speaker 3: Interesting, So what do you think will happen? I mean,

1239
00:57:33,893 --> 00:57:36,453
Speaker 3: I mean, I suppose it's you know, it's all up

1240
00:57:36,453 --> 00:57:38,333
Speaker 3: in the air at this stage. But are you hoping

1241
00:57:38,413 --> 00:57:41,453
Speaker 3: they may just give you the solar panel, panels and battery.

1242
00:57:42,893 --> 00:57:45,813
Speaker 15: Well, look, I never put a scent down towards it.

1243
00:57:46,413 --> 00:57:49,653
Speaker 15: Not one seat I locked him by and one from

1244
00:57:49,733 --> 00:57:53,093
Speaker 15: Harrison's for example. By everyone else has been talking about

1245
00:57:53,173 --> 00:57:55,293
Speaker 15: now I'll have to pay for someone to come and

1246
00:57:55,373 --> 00:57:57,573
Speaker 15: put that in. I'd had to pay for someone to

1247
00:57:57,613 --> 00:58:01,093
Speaker 15: come and fixitive and broke down all that sort of thing,

1248
00:58:01,133 --> 00:58:04,053
Speaker 15: whereas this one here not a thing head like a

1249
00:58:04,093 --> 00:58:08,573
Speaker 15: little a phone aerial on it, so that I think

1250
00:58:08,613 --> 00:58:11,253
Speaker 15: went wrong. It just went straight back to day bringing

1251
00:58:11,253 --> 00:58:21,813
Speaker 15: me out to say, hey, has gone down. So I'm yeah,

1252
00:58:21,853 --> 00:58:23,773
Speaker 15: I don't know what to think because it's only new.

1253
00:58:23,933 --> 00:58:28,253
Speaker 15: But hey, if I inherit a paragrind things that I

1254
00:58:28,333 --> 00:58:35,053
Speaker 15: had to take us called whatever. You know, Well, they

1255
00:58:35,133 --> 00:58:37,533
Speaker 15: can take it away and I'll just go back to normal, don't.

1256
00:58:41,173 --> 00:58:42,853
Speaker 2: Yeah, thank you so much for you call Ben. It'll

1257
00:58:42,853 --> 00:58:45,333
Speaker 2: be interesting to see. I think it's five days before

1258
00:58:45,373 --> 00:58:47,853
Speaker 2: we hear exactly what's going to happen around the liquidation

1259
00:58:48,133 --> 00:58:50,653
Speaker 2: of solar zero. Going back to that batteries thing, and

1260
00:58:50,733 --> 00:58:53,893
Speaker 2: this is from Wendy. Hey, guys, there are different formats

1261
00:58:53,973 --> 00:58:56,933
Speaker 2: of lithium solar batteries. Lithium iron is the one that

1262
00:58:57,053 --> 00:59:01,333
Speaker 2: catches fire and toys, et cetera. Lithium iron phosphate used

1263
00:59:01,333 --> 00:59:03,453
Speaker 2: in the likes of house batteries and motor hones and

1264
00:59:03,533 --> 00:59:05,093
Speaker 2: caravans are almost bomb proof.

1265
00:59:05,933 --> 00:59:08,373
Speaker 3: So night, Well, there we go. According to Wendy, I

1266
00:59:08,453 --> 00:59:10,853
Speaker 3: better find out what's in my car. Yeah, old google that.

1267
00:59:11,053 --> 00:59:12,693
Speaker 2: As we go to the headlines, Yeah, so I think

1268
00:59:12,693 --> 00:59:14,693
Speaker 2: the house ones according to India, I think the house

1269
00:59:14,733 --> 00:59:16,733
Speaker 2: ones are okay, but I mean there's definitely stories of

1270
00:59:16,813 --> 00:59:19,053
Speaker 2: the ebs going up and burning and burning and burning.

1271
00:59:19,133 --> 00:59:22,133
Speaker 3: Yep, certainly right, good chat. After the headlines, we're going

1272
00:59:22,173 --> 00:59:25,013
Speaker 3: to catch up with Liam Dan, our Business editor at large,

1273
00:59:25,333 --> 00:59:29,333
Speaker 3: to break down the OCR cut of fifty basis points

1274
00:59:29,373 --> 00:59:31,173
Speaker 3: it has bang on two thirty.

1275
00:59:33,973 --> 00:59:37,413
Speaker 16: Deuce talk said the headlines with blue bubble taxis it's

1276
00:59:37,533 --> 00:59:40,333
Speaker 16: no trouble with a blue bubble. The Reserve Bank has

1277
00:59:40,373 --> 00:59:43,813
Speaker 16: cut the official cash rate another fifty basis points to

1278
00:59:43,893 --> 00:59:47,813
Speaker 16: four point two five percent, ASB B and z ki

1279
00:59:47,853 --> 00:59:51,413
Speaker 16: We Bank and the Cooperative Bank have lowered rates in response.

1280
00:59:52,413 --> 00:59:54,693
Speaker 16: Fifteen hundred rolls are on the line at Health and

1281
00:59:54,893 --> 00:59:57,973
Speaker 16: Z and another round of mass cuts. The National Health

1282
00:59:58,013 --> 01:00:01,453
Speaker 16: Provider says it's still spending over budget and claims this

1283
01:00:01,693 --> 01:00:05,933
Speaker 16: reset will strengthen its front line services. The government still

1284
01:00:06,053 --> 01:00:08,933
Speaker 16: hasn't found a home for the mald Arabis Disaster memorial.

1285
01:00:09,253 --> 01:00:11,933
Speaker 16: Forty five years after a New Zealand flight nine oh

1286
01:00:12,013 --> 01:00:15,693
Speaker 16: one crashed in Antarctica, killing two hundred and fifty seven,

1287
01:00:16,773 --> 01:00:19,413
Speaker 16: our Foreign Minister says New Zealand welcomes the news of

1288
01:00:19,493 --> 01:00:23,373
Speaker 16: a cease fire between Israel and Hesbela, saying it's essential

1289
01:00:23,453 --> 01:00:26,933
Speaker 16: for breaking the cycle of violence and letting people return home.

1290
01:00:28,053 --> 01:00:31,173
Speaker 16: David Seymour has unveiled the first new charter school, which

1291
01:00:31,173 --> 01:00:34,253
Speaker 16: will open in christ Church next year. Mastery Schools New

1292
01:00:34,333 --> 01:00:38,813
Speaker 16: Zealand to Ata Parky, New Zealand's largest medicinal cannabis grower,

1293
01:00:38,973 --> 01:00:43,053
Speaker 16: secured Australian deal. Find out more at Enzen Herald Premium.

1294
01:00:43,413 --> 01:00:45,453
Speaker 16: Back to matt Ethan Tyler Adams.

1295
01:00:45,133 --> 01:00:47,093
Speaker 3: Thank you very much. Ray Lean will in the news

1296
01:00:47,093 --> 01:00:49,333
Speaker 3: a little bit earlier, of course, the Reserve Bank has

1297
01:00:49,373 --> 01:00:52,573
Speaker 3: cut the official cash rates another fifty basis points to

1298
01:00:52,733 --> 01:00:55,373
Speaker 3: four point twenty five, up percent. To break it all down,

1299
01:00:55,613 --> 01:00:58,173
Speaker 3: we've got Liam dan And Studio Business editor at large

1300
01:00:58,213 --> 01:01:02,373
Speaker 3: for the New Zealand Herald, get Aliam, Now was I mean,

1301
01:01:02,453 --> 01:01:04,653
Speaker 3: clearly it wasn't a surprise. A lot of people predicted

1302
01:01:04,693 --> 01:01:09,133
Speaker 3: the fifty basis point drop. Any indication from the Reserve

1303
01:01:09,293 --> 01:01:11,813
Speaker 3: Bank about where they may go next, Yeah, Well, they

1304
01:01:11,893 --> 01:01:12,853
Speaker 3: do publish.

1305
01:01:13,213 --> 01:01:16,893
Speaker 21: A new rate track and new forecasts. I guess it's

1306
01:01:16,933 --> 01:01:22,013
Speaker 21: a little different since their last August monetary policy statement,

1307
01:01:22,133 --> 01:01:25,013
Speaker 21: but not wildly out of line with the forecasts and

1308
01:01:25,093 --> 01:01:27,813
Speaker 21: things we've been reading about the economy. So the economy

1309
01:01:28,293 --> 01:01:31,013
Speaker 21: a little bit shabby, shall we say, going into the

1310
01:01:31,133 --> 01:01:34,933
Speaker 21: start a twenty twenty five, seeing a recovery in twenty

1311
01:01:35,013 --> 01:01:39,533
Speaker 21: twenty five, but they haven't really changed the rate track much,

1312
01:01:39,693 --> 01:01:42,973
Speaker 21: so it's a slightly different so that I mean obviously

1313
01:01:43,093 --> 01:01:45,973
Speaker 21: that they see more rate cuts to come. Most people

1314
01:01:46,013 --> 01:01:48,573
Speaker 21: seem to think there's another fifty basis points, but it

1315
01:01:48,773 --> 01:01:52,693
Speaker 21: lands around three point five somewhere around there in the

1316
01:01:52,733 --> 01:01:54,853
Speaker 21: middle of the year, and they haven't changed that much,

1317
01:01:54,893 --> 01:01:56,573
Speaker 21: and I guess it's kind of playing it with a

1318
01:01:56,573 --> 01:01:59,573
Speaker 21: straight bat. The market's seen that is a little bit,

1319
01:02:00,333 --> 01:02:02,013
Speaker 21: you know, perhaps not quite as dubbish as it might

1320
01:02:02,093 --> 01:02:04,653
Speaker 21: have been. The dollar went up a little bit, which

1321
01:02:04,733 --> 01:02:06,973
Speaker 21: means that it could have been they could have been

1322
01:02:07,013 --> 01:02:11,173
Speaker 21: more aggressive around around cutting. So they've left the pathway

1323
01:02:11,253 --> 01:02:13,693
Speaker 21: pretty clear to go either way, depending on what happens

1324
01:02:13,733 --> 01:02:16,173
Speaker 21: in the world. For example, you know, they've alluded to

1325
01:02:16,573 --> 01:02:19,413
Speaker 21: a slow down, global slow down, and of course they

1326
01:02:19,453 --> 01:02:22,413
Speaker 21: won't talk about Donald Trump, but that's a huge variable

1327
01:02:22,693 --> 01:02:24,933
Speaker 21: coming around tariffs and all that sort of stuff.

1328
01:02:24,973 --> 01:02:29,613
Speaker 2: It certainly is, and of the banks reacted yet, well

1329
01:02:29,773 --> 01:02:30,293
Speaker 2: you would have.

1330
01:02:30,293 --> 01:02:32,733
Speaker 21: Seen probably A and Z moved their fixed rates last night.

1331
01:02:32,853 --> 01:02:35,173
Speaker 21: But so far it's really just the what I would

1332
01:02:35,213 --> 01:02:37,973
Speaker 21: call the standard marketing releases. They say, oh, we've passed

1333
01:02:37,973 --> 01:02:39,533
Speaker 21: it on. Well, of course you have your passed and

1334
01:02:39,573 --> 01:02:42,013
Speaker 21: it's all on the floating rate, so you expect the

1335
01:02:42,053 --> 01:02:45,053
Speaker 21: floating rate to pass through pretty cleanly, be something wrong

1336
01:02:45,093 --> 01:02:47,333
Speaker 21: if it didn't, but we haven't seen. Usually takes a

1337
01:02:47,373 --> 01:02:49,173
Speaker 21: little bit longer for them to work do the maths

1338
01:02:49,173 --> 01:02:51,013
Speaker 21: and work out what they're going to pass through on

1339
01:02:51,053 --> 01:02:53,693
Speaker 21: the fixed rates. But if that A and Z move

1340
01:02:53,813 --> 01:02:55,573
Speaker 21: last night was any sort of guide, it's more like

1341
01:02:55,693 --> 01:02:59,453
Speaker 21: sort of twenty basis points or it won't be the

1342
01:02:59,533 --> 01:03:02,213
Speaker 21: full fifty that comes through on your fixed rates over this,

1343
01:03:02,533 --> 01:03:04,533
Speaker 21: you know, the one year term something like that.

1344
01:03:04,773 --> 01:03:07,773
Speaker 3: Yeah, So for those that have gone on to floating

1345
01:03:07,853 --> 01:03:10,773
Speaker 3: while they waited for this cut, is their potential for

1346
01:03:10,893 --> 01:03:12,813
Speaker 3: them to wait a few more weeks to see what

1347
01:03:13,013 --> 01:03:14,813
Speaker 3: happens or is it's just too hard to tell, and

1348
01:03:14,853 --> 01:03:16,413
Speaker 3: if you get a good deal from your bank, take it.

1349
01:03:16,693 --> 01:03:18,893
Speaker 21: It's a very good question, because that's exactly what I did.

1350
01:03:20,213 --> 01:03:24,093
Speaker 21: I think I'd be expecting something to come through around

1351
01:03:24,173 --> 01:03:26,453
Speaker 21: my fixed rates in the next few days, and so

1352
01:03:26,813 --> 01:03:29,733
Speaker 21: I'd imagine I'd be fixing in the next week or

1353
01:03:29,773 --> 01:03:32,853
Speaker 21: so to get off the higher floating rate. Yeah, there's

1354
01:03:32,853 --> 01:03:35,413
Speaker 21: another cut coming in February. But then I way I

1355
01:03:35,533 --> 01:03:38,653
Speaker 21: do it is split it into two halves of the mortgage,

1356
01:03:38,693 --> 01:03:40,813
Speaker 21: so I have another go in April with the other

1357
01:03:40,853 --> 01:03:43,613
Speaker 21: half of the mortgage. So yeah, yeah, everyone's got their

1358
01:03:43,613 --> 01:03:45,213
Speaker 21: own strategy, right, Yeah, that's right.

1359
01:03:45,333 --> 01:03:47,973
Speaker 2: What would have to happen for them not to lower

1360
01:03:48,013 --> 01:03:50,133
Speaker 2: it again? You say that they're talking about they're talking

1361
01:03:50,133 --> 01:03:52,293
Speaker 2: about some weird figure like three point four, which isn't

1362
01:03:52,333 --> 01:03:52,933
Speaker 2: something that you like.

1363
01:03:53,173 --> 01:03:54,013
Speaker 3: Yeah, three point fours.

1364
01:03:54,573 --> 01:03:57,133
Speaker 21: It's a hypothetical figure, but they just plot a graph

1365
01:03:57,133 --> 01:03:59,933
Speaker 21: and they don't really worry about them the reality of it.

1366
01:04:00,053 --> 01:04:03,293
Speaker 21: So that means that it's probably three point five with

1367
01:04:03,373 --> 01:04:06,093
Speaker 21: some odds on landing at three point twenty five, which

1368
01:04:06,093 --> 01:04:08,813
Speaker 21: would be a fifty basis point cut, and in another

1369
01:04:09,373 --> 01:04:13,013
Speaker 21: twenty five and maybe another twenty five. Yeah, well, some

1370
01:04:13,133 --> 01:04:15,573
Speaker 21: of that depends on inflation. So if inflation was to

1371
01:04:15,653 --> 01:04:20,093
Speaker 21: bounce back or didn't come off in some of the

1372
01:04:20,173 --> 01:04:22,893
Speaker 21: areas that we're expecting, that could slow them down. But

1373
01:04:23,413 --> 01:04:26,133
Speaker 21: otherwise it looks more like you know that the commentary

1374
01:04:26,173 --> 01:04:28,773
Speaker 21: on reading is suggests that it could actually and don't

1375
01:04:29,053 --> 01:04:31,493
Speaker 21: take this as gospel, but it could actually go lower,

1376
01:04:32,053 --> 01:04:34,493
Speaker 21: you know. And so capital economics are based in Singapore.

1377
01:04:34,573 --> 01:04:36,733
Speaker 21: They reckon they'll end up cutting to two point twenty

1378
01:04:36,813 --> 01:04:38,973
Speaker 21: five or something like that, which is pretty grim. Because

1379
01:04:38,973 --> 01:04:41,413
Speaker 21: they wouldn't do that unless the economy was pretty rough

1380
01:04:41,493 --> 01:04:41,893
Speaker 21: next year.

1381
01:04:42,013 --> 01:04:42,173
Speaker 8: Yeah.

1382
01:04:42,173 --> 01:04:44,253
Speaker 2: Well that's one of the interesting things because we all

1383
01:04:44,333 --> 01:04:47,133
Speaker 2: celebrate that the interest rates are going down, but it

1384
01:04:47,253 --> 01:04:50,093
Speaker 2: isn't actually a big thumbs up for the economy.

1385
01:04:50,253 --> 01:04:52,173
Speaker 3: No, just just as long as you keep your job.

1386
01:04:52,413 --> 01:04:55,333
Speaker 3: So it's all good, as long as your job isn't

1387
01:04:55,333 --> 01:04:57,333
Speaker 3: the one that Yeah, we're going to throw this question

1388
01:04:57,413 --> 01:04:59,893
Speaker 3: out to the audience very shortly, Liam, but how do

1389
01:04:59,973 --> 01:05:01,253
Speaker 3: you get the best deal out of your bank? So,

1390
01:05:01,293 --> 01:05:03,893
Speaker 3: I mean, is it worth negotiating at this point that

1391
01:05:03,973 --> 01:05:05,813
Speaker 3: if you're looking to refix and you go to your bank,

1392
01:05:05,973 --> 01:05:07,733
Speaker 3: or you're broke it for that matter, and say, hey,

1393
01:05:07,773 --> 01:05:09,733
Speaker 3: I want to bet deal negotiate for me, is that

1394
01:05:09,853 --> 01:05:10,373
Speaker 3: ever worth it?

1395
01:05:10,653 --> 01:05:10,853
Speaker 5: Yeah?

1396
01:05:11,293 --> 01:05:13,333
Speaker 21: See, I'm a terrible person to ask in some respects

1397
01:05:13,333 --> 01:05:16,773
Speaker 21: because I've been with my bank since I was fourteen,

1398
01:05:16,933 --> 01:05:19,933
Speaker 21: so I've never really threatened to throw the toys. But

1399
01:05:20,373 --> 01:05:24,253
Speaker 21: I've only only really, you know, had one mortgage one,

1400
01:05:24,333 --> 01:05:26,813
Speaker 21: you know. Yeah, look, I mean you get this. You

1401
01:05:26,853 --> 01:05:29,013
Speaker 21: want to get the special rate. Obviously they do a

1402
01:05:29,053 --> 01:05:31,293
Speaker 21: special rate for people with a bit of capital in

1403
01:05:31,373 --> 01:05:35,333
Speaker 21: the house, and then beyond that, I guess, yeah, like

1404
01:05:35,693 --> 01:05:38,373
Speaker 21: all negotiations. You've got to be prepared to actually walk away,

1405
01:05:38,453 --> 01:05:40,413
Speaker 21: don't you. Which if you are, good luck to you.

1406
01:05:40,453 --> 01:05:43,973
Speaker 21: I mean it's quite it's quite an effort to switch banks.

1407
01:05:44,013 --> 01:05:45,893
Speaker 21: It's supposed to be getting easier. That's the whole point

1408
01:05:45,933 --> 01:05:48,253
Speaker 21: of all this stuff open banking stuff, is that we're

1409
01:05:48,253 --> 01:05:50,213
Speaker 21: all supposed to be able to switch banks far more easily.

1410
01:05:50,453 --> 01:05:52,053
Speaker 21: Put a bit more pressure on them to give us

1411
01:05:52,093 --> 01:05:52,653
Speaker 21: the good deals.

1412
01:05:52,893 --> 01:05:54,893
Speaker 2: When you go and talk to your bank, do they

1413
01:05:55,773 --> 01:05:58,253
Speaker 2: do they acknowledge that you're the business editor at large

1414
01:05:58,333 --> 01:06:03,133
Speaker 2: for the New Zealand Herald and negotiate with you accordingly.

1415
01:06:03,733 --> 01:06:06,413
Speaker 21: Well, just to the extent that, yeah, one or two

1416
01:06:06,533 --> 01:06:08,293
Speaker 21: times they've worked it out and then they just want

1417
01:06:08,413 --> 01:06:12,413
Speaker 21: ask me what's going happen and you know, we don't know.

1418
01:06:12,733 --> 01:06:15,053
Speaker 2: You could use your position, so this is definitely what's

1419
01:06:15,093 --> 01:06:16,573
Speaker 2: going to happen. So this is the rate you need

1420
01:06:16,613 --> 01:06:16,853
Speaker 2: to get.

1421
01:06:17,093 --> 01:06:20,173
Speaker 3: YEA, Yeah, yeah, great stuff. Leah, always good to chat,

1422
01:06:20,213 --> 01:06:22,533
Speaker 3: Thank you very much. That is Liam Dan, business editor

1423
01:06:22,573 --> 01:06:24,413
Speaker 3: at Large for the New Zealand Herald. But that is

1424
01:06:24,453 --> 01:06:26,013
Speaker 3: the question we want to put to you, is how

1425
01:06:26,173 --> 01:06:29,333
Speaker 3: do you best negotiate with your bank. I've never negotiated

1426
01:06:29,373 --> 01:06:31,933
Speaker 3: with my bank. I've always taken the advertised rate. Am

1427
01:06:31,973 --> 01:06:34,453
Speaker 3: I a mug? I feel like a mug now, yeah.

1428
01:06:34,333 --> 01:06:35,933
Speaker 2: Because because more and more people just do the one

1429
01:06:35,973 --> 01:06:38,253
Speaker 2: that's on the app. Right, So you just click this

1430
01:06:38,413 --> 01:06:39,573
Speaker 2: is what's offered to you.

1431
01:06:39,693 --> 01:06:40,133
Speaker 5: Do you want it?

1432
01:06:40,613 --> 01:06:42,853
Speaker 2: And then you click it or you don't? Is that

1433
01:06:42,973 --> 01:06:45,453
Speaker 2: still a thing going into your bank and going, look,

1434
01:06:45,493 --> 01:06:47,333
Speaker 2: I want this or I'm going to work walk? I

1435
01:06:47,373 --> 01:06:49,333
Speaker 2: mean it must be for some people. It's a type

1436
01:06:49,373 --> 01:06:50,613
Speaker 2: personality type that would do that.

1437
01:06:50,853 --> 01:06:51,813
Speaker 3: Yeah, have you ever done it?

1438
01:06:52,093 --> 01:06:52,133
Speaker 16: No?

1439
01:06:52,253 --> 01:06:52,813
Speaker 2: I haven't done it.

1440
01:06:52,933 --> 01:06:52,973
Speaker 6: No.

1441
01:06:54,053 --> 01:06:56,173
Speaker 2: I've had mortgage brokers though, and so I hope they're

1442
01:06:56,253 --> 01:06:58,813
Speaker 2: going and just ripping the bank a new one. Yeah,

1443
01:06:59,333 --> 01:07:01,973
Speaker 2: but I don't know, because then they sell to me

1444
01:07:02,133 --> 01:07:03,453
Speaker 2: the story that they want me to know.

1445
01:07:03,653 --> 01:07:03,813
Speaker 13: You know.

1446
01:07:04,133 --> 01:07:06,213
Speaker 3: Oh wait. One hundred eighty ten eighty is the number

1447
01:07:06,213 --> 01:07:08,013
Speaker 3: to cool. Love to hear from you if you've managed

1448
01:07:08,053 --> 01:07:10,013
Speaker 3: to otiate a better deal with your bank or do

1449
01:07:10,133 --> 01:07:12,613
Speaker 3: you always when it comes to refixing time you go

1450
01:07:12,693 --> 01:07:14,853
Speaker 3: to your bank and say, don't like the advertiserrate, give

1451
01:07:14,853 --> 01:07:16,453
Speaker 3: me a better deal. Love to hear from you. Nine

1452
01:07:16,493 --> 01:07:18,333
Speaker 3: to two nine too is the text number. It is

1453
01:07:18,493 --> 01:07:22,053
Speaker 3: twenty to three, the issues that affect you, and a

1454
01:07:22,133 --> 01:07:23,253
Speaker 3: bit of fun along the way.

1455
01:07:23,493 --> 01:07:27,253
Speaker 1: Matt Heath and Tyler Adams afternoons you for twenty twenty four.

1456
01:07:27,413 --> 01:07:30,413
Speaker 3: You've talked said, be good afternoon. It is seventeen to

1457
01:07:30,533 --> 01:07:34,093
Speaker 3: three and on the Bank of the ocr being cut

1458
01:07:34,133 --> 01:07:36,853
Speaker 3: another fifty basis points to four point twenty five percent.

1459
01:07:36,973 --> 01:07:39,733
Speaker 3: We've asked the question, can you ever negotiate a better

1460
01:07:39,773 --> 01:07:41,013
Speaker 3: deal with your bank? Yeah?

1461
01:07:41,253 --> 01:07:43,333
Speaker 2: And I was just thinking about this because you know,

1462
01:07:43,813 --> 01:07:45,773
Speaker 2: we're working around our mortgage and this is an interesting

1463
01:07:45,813 --> 01:07:47,933
Speaker 2: text that come through. High lads love the show. But

1464
01:07:48,013 --> 01:07:50,293
Speaker 2: here we go, landlord vibes, I'm not a landlord. Did

1465
01:07:50,293 --> 01:07:52,013
Speaker 2: it occur to you that a large part of the

1466
01:07:52,053 --> 01:07:54,573
Speaker 2: audience rely on higher interest rates for a small income.

1467
01:07:54,933 --> 01:07:57,053
Speaker 2: They're called savers. I mean that's a really good point

1468
01:07:57,173 --> 01:08:01,013
Speaker 2: because people and mine in your position, Tyler there heavily indebted.

1469
01:08:02,573 --> 01:08:06,213
Speaker 2: The interest rates are coming down a huge for us

1470
01:08:06,293 --> 01:08:08,453
Speaker 2: and a positive and we celebrate them. But if you've

1471
01:08:08,493 --> 01:08:11,293
Speaker 2: got money in the bank and you want that money

1472
01:08:11,373 --> 01:08:14,213
Speaker 2: going up, so yeah, we forget about those people. So

1473
01:08:14,293 --> 01:08:17,532
Speaker 2: apologies for that. We're very focused on our current situation

1474
01:08:17,693 --> 01:08:18,013
Speaker 2: in life.

1475
01:08:18,093 --> 01:08:20,372
Speaker 3: Well, we're having a chat to someone in the office

1476
01:08:20,412 --> 01:08:23,053
Speaker 3: that we work very closely with, Andrew, our producer. I

1477
01:08:23,093 --> 01:08:24,892
Speaker 3: don't know whether the name dropped there, but he managed

1478
01:08:24,893 --> 01:08:27,213
Speaker 3: to negotiate a better rate for his term deposit. So

1479
01:08:27,333 --> 01:08:29,253
Speaker 3: it does work that he went in there and said, hey,

1480
01:08:29,333 --> 01:08:31,213
Speaker 3: can you do me a better deal for the term deposit?

1481
01:08:31,692 --> 01:08:33,173
Speaker 3: Saving a lot of money with you and they came

1482
01:08:33,213 --> 01:08:33,652
Speaker 3: to the party.

1483
01:08:33,772 --> 01:08:36,133
Speaker 2: It's on the other side of the coin. But yeah,

1484
01:08:36,133 --> 01:08:40,452
Speaker 2: we were talking about, you know, interest rates and negotiating

1485
01:08:40,772 --> 01:08:45,053
Speaker 2: around your mortgage and such. And you know, there used

1486
01:08:45,053 --> 01:08:47,612
Speaker 2: to be a situation when people knew their bank manager

1487
01:08:47,973 --> 01:08:50,053
Speaker 2: and that was a person they had a relationship with.

1488
01:08:50,213 --> 01:08:53,133
Speaker 2: It was akin to your relationship with your doctor. People

1489
01:08:53,253 --> 01:08:56,972
Speaker 2: used to get their bank manager a presence at Christmas

1490
01:08:57,452 --> 01:09:00,253
Speaker 2: and they had that relationship. So they go back and forth.

1491
01:09:00,492 --> 01:09:02,372
Speaker 2: I'm not sure if that exists so much anymore. As

1492
01:09:02,412 --> 01:09:04,893
Speaker 2: I was saying before, you tend to Now you go

1493
01:09:05,013 --> 01:09:07,652
Speaker 2: to your app and it goes here's the interest rates.

1494
01:09:07,652 --> 01:09:09,412
Speaker 2: You want it, rest the button and you do it.

1495
01:09:09,853 --> 01:09:13,252
Speaker 2: And so I'm coming up to talk about my mortgage

1496
01:09:13,372 --> 01:09:18,253
Speaker 2: next week, actually around around around an issue and I went, oh, okay,

1497
01:09:18,532 --> 01:09:21,772
Speaker 2: I'll go back and see the guy. And then I

1498
01:09:21,893 --> 01:09:25,412
Speaker 2: noticed that the branch that he was in no longer

1499
01:09:25,492 --> 01:09:30,053
Speaker 2: exists and he no longer works there. Of it, I'm

1500
01:09:30,093 --> 01:09:31,572
Speaker 2: actually going to meet and well, I'm not going to

1501
01:09:31,572 --> 01:09:33,532
Speaker 2: meet him anywhere because he doesn't wear for the bank anymore.

1502
01:09:33,532 --> 01:09:36,013
Speaker 2: But well, I might meet him for a drink. We

1503
01:09:36,093 --> 01:09:38,293
Speaker 2: didn't head it off that much in our one hour meeting,

1504
01:09:38,692 --> 01:09:43,492
Speaker 2: But gonna meet a totally different person in a mall,

1505
01:09:43,772 --> 01:09:46,612
Speaker 2: in a mall bank. But but there is no there

1506
01:09:46,692 --> 01:09:49,732
Speaker 2: is no relationship there with your with your bank anymore

1507
01:09:49,772 --> 01:09:52,652
Speaker 2: for me anyway, I think it is some some rural

1508
01:09:52,772 --> 01:09:56,412
Speaker 2: bankers have that relationship with their bank people. Or if

1509
01:09:56,452 --> 01:09:58,812
Speaker 2: I'm reading it to ads, you see those ads where

1510
01:09:58,853 --> 01:10:01,812
Speaker 2: you're standing with your with your your your bank guy

1511
01:10:01,893 --> 01:10:04,012
Speaker 2: and he's both got gun boots on and he undersigned

1512
01:10:04,013 --> 01:10:04,532
Speaker 2: the situation.

1513
01:10:04,692 --> 01:10:05,253
Speaker 3: He's a good man.

1514
01:10:05,532 --> 01:10:07,572
Speaker 2: But is it really a personal thing anymore?

1515
01:10:08,893 --> 01:10:11,093
Speaker 3: I don't know anybody at our bank. There's not a

1516
01:10:11,173 --> 01:10:13,772
Speaker 3: person that I know. Hey, can I please speak to

1517
01:10:13,893 --> 01:10:16,612
Speaker 3: James because he's looking after our accounts. Nah, that doesn't

1518
01:10:16,612 --> 01:10:19,412
Speaker 3: exist anymore. And what about the situation about mortgage brokers?

1519
01:10:19,452 --> 01:10:21,972
Speaker 3: Do they have relationships with different people at different banks,

1520
01:10:22,412 --> 01:10:25,253
Speaker 3: and do they have the ability to move the person

1521
01:10:25,372 --> 01:10:27,692
Speaker 3: or a movie around, because you know, you talk to

1522
01:10:27,732 --> 01:10:29,852
Speaker 3: your mortgage broker and they go, I talk to five banks,

1523
01:10:30,253 --> 01:10:31,893
Speaker 3: and this is the best deal I can get. And

1524
01:10:31,933 --> 01:10:33,053
Speaker 3: I want to say to them that we're going to

1525
01:10:33,053 --> 01:10:35,412
Speaker 3: go to the other people if.

1526
01:10:35,333 --> 01:10:39,293
Speaker 2: They don't go with this. Yeah, but you know that's

1527
01:10:39,333 --> 01:10:40,732
Speaker 2: sort of a that's sort of a dark art that

1528
01:10:40,772 --> 01:10:43,293
Speaker 2: I don't understand as well. Yeah, and yet it's one

1529
01:10:43,293 --> 01:10:46,132
Speaker 2: of the most important things in your life, your mortgage.

1530
01:10:46,492 --> 01:10:48,412
Speaker 2: You know, on the other side of it, if you've

1531
01:10:48,452 --> 01:10:50,253
Speaker 2: got savings and you're having to live off that, that's

1532
01:10:50,253 --> 01:10:52,692
Speaker 2: also an incredibly important thing in your life. And yet

1533
01:10:52,732 --> 01:10:55,372
Speaker 2: it's something that's kind of mysterious to most of us.

1534
01:10:55,612 --> 01:10:59,013
Speaker 3: Yeah, well even without my broker. Our broker, I should say,

1535
01:10:59,053 --> 01:11:00,652
Speaker 3: and went to her a couple of weeks ago because

1536
01:11:00,652 --> 01:11:02,692
Speaker 3: we were due for refixing, and she's great. I don't

1537
01:11:02,692 --> 01:11:04,692
Speaker 3: want to knock her, but I said, you know, we're

1538
01:11:04,732 --> 01:11:07,372
Speaker 3: coming up for refixing. What should we do here? And

1539
01:11:07,452 --> 01:11:09,372
Speaker 3: she basically came back and said, here's the A and

1540
01:11:09,492 --> 01:11:12,213
Speaker 3: Z advertised rates. That's a good deal. You should probably

1541
01:11:12,253 --> 01:11:15,572
Speaker 3: lock that in. And I was thinking, well, the options there.

1542
01:11:15,572 --> 01:11:17,812
Speaker 2: Did she just google that. I think, so you reached

1543
01:11:17,812 --> 01:11:19,412
Speaker 2: out here, she googled it and she sent it back

1544
01:11:19,412 --> 01:11:21,213
Speaker 2: to you and exclaiming to be an expert.

1545
01:11:21,372 --> 01:11:23,213
Speaker 3: Yeah, but she might not make any money from that

1546
01:11:23,372 --> 01:11:25,932
Speaker 3: because that our mortgage was set up by a previous

1547
01:11:26,013 --> 01:11:28,893
Speaker 3: broker who we thought was a bit rubbish, so we

1548
01:11:28,973 --> 01:11:30,973
Speaker 3: went to a new broker. But maybe she doesn't make

1549
01:11:31,013 --> 01:11:33,212
Speaker 3: any money unless we change banks.

1550
01:11:33,492 --> 01:11:35,892
Speaker 2: Yeah, yeah, yeah, I mean the structure of how brokers

1551
01:11:35,933 --> 01:11:37,772
Speaker 2: make money from your mortgage is interesting as well.

1552
01:11:37,933 --> 01:11:42,013
Speaker 3: Yeah, Sarah, you reckon absolutely negotiate every time with your

1553
01:11:42,053 --> 01:11:42,772
Speaker 3: bank con rates.

1554
01:11:43,893 --> 01:11:44,772
Speaker 11: Yes, I do.

1555
01:11:45,213 --> 01:11:45,253
Speaker 15: So.

1556
01:11:45,652 --> 01:11:50,652
Speaker 20: I resexed my wage in October and so that's when

1557
01:11:50,772 --> 01:11:54,812
Speaker 20: the see our rates were getting reviewed. Well, I actually

1558
01:11:54,893 --> 01:11:59,732
Speaker 20: wanted to imploaded. But you get some rates on the app,

1559
01:12:00,053 --> 01:12:03,572
Speaker 20: but you never accept what's on the app. You always

1560
01:12:03,812 --> 01:12:07,972
Speaker 20: always fall and talk to someone. And it's a lot

1561
01:12:08,053 --> 01:12:11,852
Speaker 20: if you're on holes. But you build up a rapport

1562
01:12:11,933 --> 01:12:14,732
Speaker 20: with your banker and then you just have to ask,

1563
01:12:15,372 --> 01:12:17,812
Speaker 20: and you ask again and again and they'll say no,

1564
01:12:18,572 --> 01:12:20,293
Speaker 20: and then you ring up the next day and then

1565
01:12:20,333 --> 01:12:25,053
Speaker 20: you ask again and you just keep persisting. And they

1566
01:12:25,173 --> 01:12:28,093
Speaker 20: do have like a price team. They'll say that the

1567
01:12:28,213 --> 01:12:30,972
Speaker 20: guard top two and you just ask, like, please speak

1568
01:12:30,973 --> 01:12:33,213
Speaker 20: to your bracing team, and it gets to the point

1569
01:12:33,253 --> 01:12:38,093
Speaker 20: where you're so annoying that they will be like, all right,

1570
01:12:38,333 --> 01:12:42,053
Speaker 20: you know, so I got discounts for my floating, I

1571
01:12:42,173 --> 01:12:43,772
Speaker 20: got discounts on my fixed rates.

1572
01:12:43,853 --> 01:12:45,253
Speaker 7: I got a cash retention.

1573
01:12:46,853 --> 01:12:47,372
Speaker 16: Cash back.

1574
01:12:48,053 --> 01:12:50,612
Speaker 20: But it's a lot of work, so you need time.

1575
01:12:50,853 --> 01:12:52,852
Speaker 20: But it's worth it because I have my rate is

1576
01:12:52,933 --> 01:12:56,972
Speaker 20: so high. Even if I can just get point one

1577
01:12:57,093 --> 01:12:59,652
Speaker 20: point two offs, it's really really worth it for me.

1578
01:12:59,893 --> 01:13:03,812
Speaker 20: But it's it's not a good feeling sometimes. But as

1579
01:13:03,853 --> 01:13:05,973
Speaker 20: long as you have as a rapport and you know

1580
01:13:06,173 --> 01:13:09,852
Speaker 20: you have good banter with them, some bankers are really

1581
01:13:09,933 --> 01:13:10,652
Speaker 20: willing to help you.

1582
01:13:10,933 --> 01:13:12,013
Speaker 3: Yeah, yeah, I love that.

1583
01:13:12,053 --> 01:13:13,692
Speaker 20: I don't even go through a broker either.

1584
01:13:13,933 --> 01:13:14,173
Speaker 5: Yeah.

1585
01:13:14,253 --> 01:13:15,652
Speaker 3: I just feel like I can do it better than

1586
01:13:15,692 --> 01:13:17,692
Speaker 3: a broker, And so what what's the question?

1587
01:13:17,933 --> 01:13:20,013
Speaker 2: What's the question you ask? You just go can you

1588
01:13:20,093 --> 01:13:20,732
Speaker 2: go lower than that?

1589
01:13:22,013 --> 01:13:24,333
Speaker 20: Pretty much that's how the conversation starts.

1590
01:13:24,452 --> 01:13:27,532
Speaker 7: It's like, you know, I have this much equity.

1591
01:13:28,253 --> 01:13:32,013
Speaker 20: I pay everything on time. Just think you're doing this rate.

1592
01:13:32,732 --> 01:13:34,372
Speaker 20: I know that you guys are doing this rate for

1593
01:13:34,452 --> 01:13:38,012
Speaker 20: other people. So I follow like groups and they post

1594
01:13:39,013 --> 01:13:43,253
Speaker 20: there getting my brother's getting this rate, is getting this ray.

1595
01:13:45,173 --> 01:13:47,572
Speaker 2: Yeah, because the information's out there and it's so important

1596
01:13:47,652 --> 01:13:49,732
Speaker 2: to our lives and in terms of you know, the

1597
01:13:49,772 --> 01:13:52,452
Speaker 2: effort you put into your work and and the money

1598
01:13:52,492 --> 01:13:54,852
Speaker 2: you earn, and you know savings and wherever you can,

1599
01:13:54,973 --> 01:13:57,293
Speaker 2: maybe the supermarket, but to actually put the time and

1600
01:13:57,333 --> 01:14:00,013
Speaker 2: effort that you do in Sarah, you do, Sarah, and

1601
01:14:00,093 --> 01:14:02,452
Speaker 2: to get a little difference, as you say, one hundred percent,

1602
01:14:02,572 --> 01:14:05,412
Speaker 2: that is that is a big big change in your

1603
01:14:05,492 --> 01:14:08,173
Speaker 2: life over time. Just a little move and an interest rate.

1604
01:14:09,253 --> 01:14:13,013
Speaker 20: It is especially when there's like my floating was, it's

1605
01:14:13,372 --> 01:14:16,693
Speaker 20: like it's it's killing.

1606
01:14:16,492 --> 01:14:18,372
Speaker 12: Us, and it's just like we just have to put

1607
01:14:18,372 --> 01:14:19,412
Speaker 12: the effidence ye.

1608
01:14:19,452 --> 01:14:22,852
Speaker 20: Down it's possible, and especially like plead my case as

1609
01:14:22,893 --> 01:14:26,253
Speaker 20: well and be human. So they still try.

1610
01:14:26,452 --> 01:14:28,253
Speaker 3: If you're really hook to them, what would be a

1611
01:14:28,293 --> 01:14:31,132
Speaker 3: good discount that you get, Sarah? So say, for example,

1612
01:14:31,572 --> 01:14:34,452
Speaker 3: what's the advertised rate now five point seventy nine percent

1613
01:14:34,532 --> 01:14:36,372
Speaker 3: for a year? You go to them and say, can

1614
01:14:36,492 --> 01:14:38,213
Speaker 3: you do me a better deal? What would you be

1615
01:14:38,253 --> 01:14:38,612
Speaker 3: happy with?

1616
01:14:40,853 --> 01:14:44,652
Speaker 20: So when the advertiser rates were five point nine nine,

1617
01:14:44,772 --> 01:14:47,772
Speaker 20: I got my six SETSI with five nights just by

1618
01:14:47,853 --> 01:14:48,852
Speaker 20: comparing other banks.

1619
01:14:49,412 --> 01:14:49,612
Speaker 13: Yeah.

1620
01:14:49,973 --> 01:14:53,852
Speaker 2: Yeah, so that's for a year. Yeah, so it's been

1621
01:14:53,893 --> 01:14:56,372
Speaker 2: a negotiation. And I've got a question for you. Are you, Sarah,

1622
01:14:56,372 --> 01:14:58,093
Speaker 2: Are you the same person? Because I know people that

1623
01:14:58,133 --> 01:15:01,612
Speaker 2: will negotiate and they'll go between power companies and back

1624
01:15:01,612 --> 01:15:03,253
Speaker 2: and forth until they get a good result. Are you

1625
01:15:03,333 --> 01:15:05,293
Speaker 2: doing this across a lot of things in your life?

1626
01:15:06,692 --> 01:15:10,572
Speaker 20: Something somethings else time, and so if it's worth it. Yeah,

1627
01:15:11,572 --> 01:15:16,612
Speaker 20: I'm a haggler, like I will anything to get a deal.

1628
01:15:16,933 --> 01:15:20,652
Speaker 20: I'll go and pick these up for free. So I'm

1629
01:15:20,692 --> 01:15:22,412
Speaker 20: not have a person I won't do it for everything.

1630
01:15:23,652 --> 01:15:25,093
Speaker 20: I'll against my time.

1631
01:15:25,372 --> 01:15:25,532
Speaker 5: Yeah.

1632
01:15:25,973 --> 01:15:28,893
Speaker 2: Yeah, well that's smart, se see, because I'm not and

1633
01:15:29,333 --> 01:15:32,412
Speaker 2: I think that's a real failing in me. My money

1634
01:15:32,452 --> 01:15:35,213
Speaker 2: skills are terrible. I won't haggle. I'll just spend and

1635
01:15:36,053 --> 01:15:38,053
Speaker 2: not worry about it. And and I wish I had

1636
01:15:38,093 --> 01:15:39,972
Speaker 2: some of what you've got, Sarah. I think a huge

1637
01:15:40,013 --> 01:15:40,652
Speaker 2: advantage in life.

1638
01:15:40,692 --> 01:15:45,013
Speaker 3: So good on you, Thank you, thank you, Sarah. Yeah,

1639
01:15:45,013 --> 01:15:46,612
Speaker 3: I'm the kind of the same. Is that a lot

1640
01:15:46,652 --> 01:15:48,412
Speaker 3: of that stuff for me? And I'll probably try and

1641
01:15:48,492 --> 01:15:50,572
Speaker 3: haggle with my mortgage rate, I mean my bank. If

1642
01:15:50,572 --> 01:15:52,492
Speaker 3: you're listening right now, I'm coming for you, but a

1643
01:15:52,532 --> 01:15:54,452
Speaker 3: lot of it's Edmond though. Right If I'm looking for

1644
01:15:54,452 --> 01:15:56,572
Speaker 3: a different power company and I start that process and

1645
01:15:56,572 --> 01:15:59,013
Speaker 3: I think, oh man, this is so punishing, I'll just

1646
01:15:59,093 --> 01:15:59,692
Speaker 3: pay the price.

1647
01:16:00,013 --> 01:16:02,173
Speaker 2: Yeah, but don't just spend one of your afternoons drinking.

1648
01:16:02,812 --> 01:16:06,132
Speaker 2: You know I like drinking. Yeah, like just just just priorities.

1649
01:16:06,412 --> 01:16:10,093
Speaker 3: Drinking is way more fun at a And sure I

1650
01:16:10,333 --> 01:16:12,492
Speaker 3: had one hundred eighty ten eighty as the number call

1651
01:16:12,572 --> 01:16:13,492
Speaker 3: it is eight to three.

1652
01:16:15,372 --> 01:16:17,772
Speaker 1: The issues that affect you and a bit of fun

1653
01:16:17,812 --> 01:16:20,933
Speaker 1: along the way Matty's and Tyler Adams afternoons.

1654
01:16:21,173 --> 01:16:23,372
Speaker 5: You for twenty twenty four you've talked.

1655
01:16:23,133 --> 01:16:26,612
Speaker 2: Said be we're talking about negotiating with your bank around

1656
01:16:26,812 --> 01:16:28,852
Speaker 2: interest rates. You just take what's an offer? Or do

1657
01:16:28,973 --> 01:16:30,772
Speaker 2: you talk them down? Is it even possible to do that?

1658
01:16:30,933 --> 01:16:33,812
Speaker 2: The oci has been dropped fifty basin points basis points

1659
01:16:33,853 --> 01:16:40,892
Speaker 2: to four point twenty five, Ginny, your thoughts on bank relationships, Yeah,

1660
01:16:41,572 --> 01:16:42,253
Speaker 2: not so much.

1661
01:16:42,133 --> 01:16:45,772
Speaker 22: Of relationships anymore, but it's really important you do talk

1662
01:16:45,812 --> 01:16:50,572
Speaker 22: to someone. I've always negotiated my interest rate always, and

1663
01:16:50,933 --> 01:16:53,812
Speaker 22: I even taught my son how to negotiate and to

1664
01:16:53,933 --> 01:16:56,972
Speaker 22: do that. What they do is they'll say, oh, look

1665
01:16:57,053 --> 01:17:00,133
Speaker 22: that's the rate that everyone's going with and we don't

1666
01:17:00,133 --> 01:17:02,812
Speaker 22: actually have authority to lower it, and you just say

1667
01:17:02,853 --> 01:17:05,173
Speaker 22: that's fine. I'm happy to wait while you get someone

1668
01:17:05,213 --> 01:17:10,133
Speaker 22: who has that authority. But it's worked time. The other thing, too,

1669
01:17:10,412 --> 01:17:12,333
Speaker 22: is when you get a mortgage and they go, oh,

1670
01:17:12,492 --> 01:17:15,012
Speaker 22: we can give you two thousand dollars cash or three

1671
01:17:15,053 --> 01:17:18,492
Speaker 22: thousand dollars cash. You know that money they give you. Yes,

1672
01:17:18,732 --> 01:17:22,052
Speaker 22: I've always negotiated for an extra thousand, and I've gotten

1673
01:17:22,133 --> 01:17:24,053
Speaker 22: it for me and for my son when we took

1674
01:17:24,093 --> 01:17:28,172
Speaker 22: out our mortgages. I always negotiate with the power company.

1675
01:17:29,133 --> 01:17:31,932
Speaker 22: If my Pound company is doing a deal for new customers,

1676
01:17:32,093 --> 01:17:34,012
Speaker 22: I bring up. They go, you're not a new customer.

1677
01:17:34,253 --> 01:17:37,532
Speaker 22: I go, no, I'm actually a proven, good customer. Why

1678
01:17:37,612 --> 01:17:39,972
Speaker 22: don't I get the same deal as someone who hasn't

1679
01:17:40,053 --> 01:17:44,173
Speaker 22: proven their loyalty? And go away and get get someone

1680
01:17:44,213 --> 01:17:46,973
Speaker 22: under authority. They come back, I get a deal. So

1681
01:17:47,173 --> 01:17:49,933
Speaker 22: I do that with all of those things you have

1682
01:17:50,133 --> 01:17:52,892
Speaker 22: to and you've got to talk to someone, don't press buttons.

1683
01:17:53,293 --> 01:17:55,692
Speaker 2: Oh thank you so much, and congratulations on being the

1684
01:17:55,732 --> 01:17:56,892
Speaker 2: type of person you are, Ginny.

1685
01:17:57,053 --> 01:17:59,372
Speaker 3: That was great wasn't it just escalator? Is glad it

1686
01:17:59,452 --> 01:18:00,893
Speaker 3: to the top and get the deal. We're going to

1687
01:18:01,253 --> 01:18:03,452
Speaker 3: carry this on after three o'clock.

1688
01:18:03,652 --> 01:18:06,652
Speaker 2: Yeah, oh, one hundred and eighty ten eighty. How do

1689
01:18:06,772 --> 01:18:09,412
Speaker 2: you negotiate with your bank for lower interest rates? Can

1690
01:18:09,492 --> 01:18:13,052
Speaker 2: you negotiate it? And we're getting some hot texts coming

1691
01:18:13,133 --> 01:18:17,133
Speaker 2: through around brokers, some four and summer gains, so we'll

1692
01:18:17,173 --> 01:18:19,293
Speaker 2: share those with you after the break.

1693
01:18:19,452 --> 01:18:21,692
Speaker 3: And just a reminder, we are going to be chatting

1694
01:18:21,732 --> 01:18:24,932
Speaker 3: to Matt Henry Blankcamp of course at about three point thirty,

1695
01:18:24,973 --> 01:18:27,053
Speaker 3: so looking forward to that new sport and weather on

1696
01:18:27,133 --> 01:18:29,213
Speaker 3: its way. You're listening to Matt and Tyler. Very very

1697
01:18:29,253 --> 01:18:30,053
Speaker 3: good afternoon to.

1698
01:18:30,093 --> 01:18:48,293
Speaker 5: You talking with you all afternoon.

1699
01:18:48,532 --> 01:18:52,012
Speaker 1: It's Matt Heath and Taylor Adams Afternoons New for twenty

1700
01:18:52,093 --> 01:18:54,213
Speaker 1: twenty four News Talk ZIBB.

1701
01:18:55,053 --> 01:18:58,412
Speaker 3: God afternoon, Welcome back into the show. Seven pass three.

1702
01:18:58,812 --> 01:19:02,013
Speaker 2: So the OCI has been lowered fifty basis points to

1703
01:19:02,253 --> 01:19:06,412
Speaker 2: four point two five. We're talking about banks negotiating with

1704
01:19:06,532 --> 01:19:08,213
Speaker 2: them around your interest rate?

1705
01:19:08,452 --> 01:19:08,933
Speaker 20: Do you do it?

1706
01:19:09,013 --> 01:19:09,612
Speaker 19: How do you do it?

1707
01:19:10,013 --> 01:19:12,652
Speaker 2: What a brokers do? Are they any good? Do the

1708
01:19:12,732 --> 01:19:14,892
Speaker 2: banks move it all? And we're in a great chat

1709
01:19:14,933 --> 01:19:16,932
Speaker 2: so we'll keep that going. One hundred and eighty ten

1710
01:19:17,053 --> 01:19:19,013
Speaker 2: eighty nine nine two is a text number. Before we

1711
01:19:19,053 --> 01:19:21,372
Speaker 2: get back into that, I've just got a question for you. Yeah,

1712
01:19:21,772 --> 01:19:23,852
Speaker 2: you know, my hair is a bit fluffy. It's a

1713
01:19:23,893 --> 01:19:25,253
Speaker 2: bit boofy today. I've just washed it.

1714
01:19:25,412 --> 01:19:27,213
Speaker 3: Hard to tell though, because you love a good cap.

1715
01:19:27,253 --> 01:19:28,213
Speaker 3: You've got some nice caps.

1716
01:19:28,293 --> 01:19:29,933
Speaker 2: Look if my hair isn't a bad state, or we

1717
01:19:29,973 --> 01:19:31,452
Speaker 2: were a cat, But I was just in the bathroom

1718
01:19:31,452 --> 01:19:33,733
Speaker 2: here at News Talks. He'd be, yea, in the palatial

1719
01:19:33,812 --> 01:19:36,532
Speaker 2: News Talk's head be my Costing Memorial bathrooms.

1720
01:19:36,572 --> 01:19:37,572
Speaker 3: Yea, it's a beautiful bathroom.

1721
01:19:37,732 --> 01:19:41,253
Speaker 2: And someone had left their hair gel there. They'd gone

1722
01:19:41,293 --> 01:19:43,013
Speaker 2: on to do their hair, not that sort of their

1723
01:19:43,053 --> 01:19:45,173
Speaker 2: hair fudge. It was in like a little tin, and

1724
01:19:45,253 --> 01:19:47,213
Speaker 2: they'd left the lid off it, and they'd been doing

1725
01:19:47,253 --> 01:19:49,213
Speaker 2: their hair and they'd walked out. Is it kosher for

1726
01:19:49,293 --> 01:19:51,732
Speaker 2: me to just dip my fingers in there and do

1727
01:19:51,893 --> 01:19:52,492
Speaker 2: my hair.

1728
01:19:52,372 --> 01:19:55,452
Speaker 3: With that yuck? What was it like brool cream or something?

1729
01:19:55,732 --> 01:19:56,213
Speaker 3: Was that clay?

1730
01:19:56,652 --> 01:19:59,893
Speaker 2: It was sort of some whitey, sort of sort of

1731
01:19:59,933 --> 01:20:04,852
Speaker 2: fudgy kind of stuff. I want to find out with

1732
01:20:04,893 --> 01:20:06,973
Speaker 2: the moral before I admit to what I have or

1733
01:20:06,973 --> 01:20:09,013
Speaker 2: have not done. I want, what's the moral what's the

1734
01:20:09,412 --> 01:20:11,492
Speaker 2: can because they've left it hanging out there? I mean,

1735
01:20:11,612 --> 01:20:15,133
Speaker 2: is it a hygieness issue for me? You wouldn't put

1736
01:20:15,133 --> 01:20:17,133
Speaker 2: your fingers in someone else's fudge because they left it

1737
01:20:17,213 --> 01:20:17,692
Speaker 2: lying out.

1738
01:20:17,612 --> 01:20:19,372
Speaker 3: Well, I think you're well within your rights to dip

1739
01:20:19,412 --> 01:20:21,933
Speaker 3: your fingers in that fudge. But if they did they

1740
01:20:22,013 --> 01:20:24,772
Speaker 3: walk in as you were about to sample some of

1741
01:20:24,812 --> 01:20:25,572
Speaker 3: their bal croup.

1742
01:20:25,732 --> 01:20:27,293
Speaker 2: No, I know that the bathroom was empty.

1743
01:20:27,293 --> 01:20:27,692
Speaker 12: It was just me.

1744
01:20:28,053 --> 01:20:29,452
Speaker 3: Well, then it's you know, free for all.

1745
01:20:29,572 --> 01:20:31,572
Speaker 2: It might have been Hoskings here stuff.

1746
01:20:31,572 --> 01:20:33,452
Speaker 3: Maybe it is. Maybe that's supplied by the company.

1747
01:20:33,572 --> 01:20:36,253
Speaker 2: He is great here. Yeah, I could go for that

1748
01:20:36,893 --> 01:20:38,852
Speaker 2: hosking Look, I mean I wouldn't have someone left their

1749
01:20:38,973 --> 01:20:41,012
Speaker 2: role on deodorant in there. I wouldn't be I wouldn't

1750
01:20:41,053 --> 01:20:41,733
Speaker 2: be getting.

1751
01:20:41,492 --> 01:20:42,852
Speaker 3: Into that's a step too far, is it?

1752
01:20:42,973 --> 01:20:43,173
Speaker 15: Yeah?

1753
01:20:43,253 --> 01:20:45,132
Speaker 3: Yeah, a moral dilemma.

1754
01:20:45,213 --> 01:20:47,053
Speaker 2: You know, these moral dilemmas, they pop up in life

1755
01:20:47,093 --> 01:20:47,532
Speaker 2: all the time.

1756
01:20:47,612 --> 01:20:49,293
Speaker 3: They certainly do nine two nine two. If you can

1757
01:20:49,372 --> 01:20:52,333
Speaker 3: help man out on that one, But bet to negotiating

1758
01:20:52,372 --> 01:20:54,612
Speaker 3: with your banks. Plenty of great takes coming through on

1759
01:20:54,692 --> 01:20:55,532
Speaker 3: nine two nine two.

1760
01:20:55,652 --> 01:20:57,812
Speaker 2: This one's interesting. High lads, I work at one of

1761
01:20:57,893 --> 01:21:00,972
Speaker 2: the major banks. Trust me when I say we work

1762
01:21:01,213 --> 01:21:03,812
Speaker 2: very hard to get you the best rate possible. We

1763
01:21:03,893 --> 01:21:07,652
Speaker 2: will always offer the discretion rate and encourage and encouraged

1764
01:21:07,692 --> 01:21:09,532
Speaker 2: by the bank to for this rate. Also to note

1765
01:21:09,572 --> 01:21:11,732
Speaker 2: that the banks versus brokers you're going to get the

1766
01:21:11,853 --> 01:21:14,093
Speaker 2: exactly are you're going to get exactly the same thing,

1767
01:21:14,452 --> 01:21:19,092
Speaker 2: right someone here says apps or we're a here. Brokers

1768
01:21:19,133 --> 01:21:22,572
Speaker 2: are more interested in their commission than your interest rate.

1769
01:21:22,652 --> 01:21:24,492
Speaker 2: You get the bank that gives them the best that

1770
01:21:24,652 --> 01:21:26,372
Speaker 2: they get, they go to the bank that gives them

1771
01:21:26,412 --> 01:21:30,532
Speaker 2: the best commission. Negotiate with your bank yourself and nineteen

1772
01:21:30,652 --> 01:21:32,772
Speaker 2: nine two for the complete circle on it broker here,

1773
01:21:33,053 --> 01:21:35,372
Speaker 2: we ask clients to check in with us before selecting

1774
01:21:35,452 --> 01:21:37,173
Speaker 2: a rate on the app so we can check it

1775
01:21:37,173 --> 01:21:39,532
Speaker 2: across the market for them. We send them an email

1776
01:21:39,612 --> 01:21:41,652
Speaker 2: and text to check in also to see where they

1777
01:21:41,732 --> 01:21:44,253
Speaker 2: are in life, as there may need to be a

1778
01:21:44,372 --> 01:21:48,212
Speaker 2: bigger conversation than just selecting the cheapest rate. That's from clear.

1779
01:21:48,133 --> 01:21:50,732
Speaker 3: Yeah, great teas coming through just on the one about

1780
01:21:50,772 --> 01:21:52,692
Speaker 3: who was having to go at brokers they're more interested

1781
01:21:52,732 --> 01:21:55,492
Speaker 3: in their commission. But I've always just been on the

1782
01:21:55,652 --> 01:21:57,492
Speaker 3: side where I don't know if I can trust my

1783
01:21:57,652 --> 01:21:59,652
Speaker 3: bank to do right by me because it's the bank

1784
01:21:59,772 --> 01:22:02,093
Speaker 3: making money, right, And I look at a broker and

1785
01:22:02,173 --> 01:22:04,013
Speaker 3: I think they kind of work for me. Yes, they

1786
01:22:04,053 --> 01:22:06,852
Speaker 3: get in a commission, but they are working against the

1787
01:22:06,933 --> 01:22:09,452
Speaker 3: bank to get the best deal for me, plus a

1788
01:22:09,532 --> 01:22:11,812
Speaker 3: good deal for themselves as well. But maybe I've got

1789
01:22:11,853 --> 01:22:13,532
Speaker 3: that round the wrong way. Maybe the bank does want

1790
01:22:13,532 --> 01:22:13,933
Speaker 3: to work with me.

1791
01:22:14,053 --> 01:22:15,772
Speaker 2: Well, hang on a minute, I've got a question here.

1792
01:22:15,772 --> 01:22:17,173
Speaker 2: I don't really know how it works. And this is

1793
01:22:17,253 --> 01:22:19,772
Speaker 2: ridiculous because I have used a broker. So do they

1794
01:22:19,812 --> 01:22:22,013
Speaker 2: get more commission if it's a higher interest rate, or

1795
01:22:22,093 --> 01:22:25,013
Speaker 2: do they get just a commission on whatever it is.

1796
01:22:25,253 --> 01:22:27,972
Speaker 3: I've got no idea I should though, because I ever

1797
01:22:28,133 --> 01:22:29,092
Speaker 3: have a broker.

1798
01:22:29,173 --> 01:22:31,452
Speaker 2: But yeah, someone could come back to us on that.

1799
01:22:31,572 --> 01:22:33,732
Speaker 2: On eight hundred and eighty ten eighty. If you text

1800
01:22:33,812 --> 01:22:35,532
Speaker 2: here and Matt, go for your life. If someone stupid

1801
01:22:35,612 --> 01:22:38,132
Speaker 2: enough to leave their fudge out in public, fill your boots.

1802
01:22:38,372 --> 01:22:40,452
Speaker 2: Someone else has said, hell, yeah, Hosking won't mind if

1803
01:22:40,452 --> 01:22:41,492
Speaker 2: you use his here fudge.

1804
01:22:41,572 --> 01:22:41,893
Speaker 13: There you go.

1805
01:22:42,173 --> 01:22:43,372
Speaker 3: Well, we'll find me tomorrow morning.

1806
01:22:43,893 --> 01:22:46,253
Speaker 2: I mean not sure if it's Hosking, So I'm just

1807
01:22:46,293 --> 01:22:48,333
Speaker 2: saying it could be. You know, we know he uses

1808
01:22:48,372 --> 01:22:48,892
Speaker 2: the bathroom.

1809
01:22:49,013 --> 01:22:50,293
Speaker 3: Yeah, he's got good hair, Hosking.

1810
01:22:50,812 --> 01:22:50,972
Speaker 15: Eric.

1811
01:22:51,213 --> 01:22:53,733
Speaker 3: You have had many years of dealing with banks.

1812
01:22:54,452 --> 01:22:56,572
Speaker 4: Well, yeah, I mean I've paid my mortgage off now,

1813
01:22:56,652 --> 01:22:59,013
Speaker 4: but I mean, you know we're talking a lot, you know,

1814
01:22:59,333 --> 01:23:02,572
Speaker 4: twenty years ago, I've got a mortgage. But yeah, I

1815
01:23:02,692 --> 01:23:04,973
Speaker 4: never used a broker, and you know, I trouble is

1816
01:23:05,093 --> 01:23:07,492
Speaker 4: getting a loan to start with for a broker, And

1817
01:23:09,293 --> 01:23:11,213
Speaker 4: so I ended up going to the bank direct myself,

1818
01:23:12,372 --> 01:23:13,452
Speaker 4: and he basically.

1819
01:23:13,173 --> 01:23:17,333
Speaker 2: Paid me the broker fee, right, right, And how does

1820
01:23:17,492 --> 01:23:20,173
Speaker 2: how does what was the broker fee? How does that work?

1821
01:23:20,732 --> 01:23:22,093
Speaker 4: Back in those days there wasn't a lot. It was

1822
01:23:22,133 --> 01:23:24,053
Speaker 4: only about six hundred dollars, right, So it was.

1823
01:23:24,013 --> 01:23:26,013
Speaker 2: A one off payment rather than the commission.

1824
01:23:25,853 --> 01:23:28,093
Speaker 4: One of payment because I rent direct to the bank.

1825
01:23:28,133 --> 01:23:28,852
Speaker 12: But it wasn't.

1826
01:23:29,532 --> 01:23:31,293
Speaker 4: I didn't try to underdo the broke, but he just

1827
01:23:31,452 --> 01:23:33,452
Speaker 4: he couldn't get my loan for So I just went

1828
01:23:33,492 --> 01:23:35,213
Speaker 4: and spoke to the bank myself and said, well, what's

1829
01:23:35,253 --> 01:23:36,452
Speaker 4: the story? Why is this?

1830
01:23:37,053 --> 01:23:37,213
Speaker 16: You know?

1831
01:23:37,253 --> 01:23:39,213
Speaker 4: And he told me what to do and how to

1832
01:23:39,213 --> 01:23:41,412
Speaker 4: get around it, blah blah blah, and and we got

1833
01:23:41,452 --> 01:23:43,532
Speaker 4: a mortgage set up, and I ended up setting up

1834
01:23:44,293 --> 01:23:47,333
Speaker 4: two loans. One was a one was a your main

1835
01:23:47,452 --> 01:23:49,253
Speaker 4: standing loan I would say twenty five years, and the

1836
01:23:49,333 --> 01:23:51,933
Speaker 4: other one was a flexi loan where you was just

1837
01:23:52,013 --> 01:23:54,492
Speaker 4: a reverse mortgage mortgage. Basically you can take it back

1838
01:23:54,572 --> 01:23:57,333
Speaker 4: up if you want, So don't you paint that off

1839
01:23:57,372 --> 01:24:00,173
Speaker 4: as much as I couldn't then dump dump whatever I

1840
01:24:00,213 --> 01:24:03,093
Speaker 4: could on the mortgage every two years once it became

1841
01:24:03,893 --> 01:24:05,692
Speaker 4: come off at sixth rate.

1842
01:24:06,572 --> 01:24:07,253
Speaker 12: So he didn't get.

1843
01:24:07,173 --> 01:24:09,293
Speaker 4: Punished for it. But you know, I ring around every bank.

1844
01:24:10,772 --> 01:24:13,013
Speaker 4: It's a little it's a little different now these like

1845
01:24:13,093 --> 01:24:14,692
Speaker 4: you've got apps and stuff, so you can just look

1846
01:24:14,732 --> 01:24:16,892
Speaker 4: it up a lot easier. But back in those days

1847
01:24:16,933 --> 01:24:19,372
Speaker 4: we didn't have amps, app apps and stuff, and the

1848
01:24:19,492 --> 01:24:22,812
Speaker 4: ANDET was kind of new. So you actually physically rig

1849
01:24:22,933 --> 01:24:25,173
Speaker 4: up the bank or go and see different banks and

1850
01:24:25,933 --> 01:24:27,852
Speaker 4: just say, hey, what's your best interest rate? I'm thinking

1851
01:24:28,053 --> 01:24:29,612
Speaker 4: the trick is to say to them and thinking of

1852
01:24:29,692 --> 01:24:33,053
Speaker 4: bring them alone over to you, because if you say them,

1853
01:24:33,213 --> 01:24:34,893
Speaker 4: you're thinking they're bringing your loan over to them. That

1854
01:24:35,053 --> 01:24:38,532
Speaker 4: makes them think, oh we might get this one. Yeah,

1855
01:24:38,893 --> 01:24:40,732
Speaker 4: they're going to give you a better rate for it,

1856
01:24:40,772 --> 01:24:42,452
Speaker 4: and then you go back to your bank and you say, well,

1857
01:24:42,492 --> 01:24:46,213
Speaker 4: I've had x amount of quotes and this is the

1858
01:24:46,293 --> 01:24:49,053
Speaker 4: cheapest rate off in offered. You guys happy to meet that,

1859
01:24:49,173 --> 01:24:50,293
Speaker 4: and they usually they will mate.

1860
01:24:51,013 --> 01:24:53,612
Speaker 2: Yeah, it is an interesting that thing about meeting people

1861
01:24:53,692 --> 01:24:55,852
Speaker 2: and talking people, and that's been removed more and more

1862
01:24:55,973 --> 01:25:00,333
Speaker 2: from our lives as you know, basically efficient efficiencies and

1863
01:25:00,372 --> 01:25:03,612
Speaker 2: digital efficiencies. They talk about removing friction from these systems.

1864
01:25:03,652 --> 01:25:06,012
Speaker 2: What they mean when they are removing friction, they're meaning

1865
01:25:06,133 --> 01:25:09,173
Speaker 2: removing humans from the system and the human interaction. So

1866
01:25:09,253 --> 01:25:10,812
Speaker 2: the idea back in the day where you could go

1867
01:25:10,933 --> 01:25:12,652
Speaker 2: and talk to a manager of a bank or the

1868
01:25:12,732 --> 01:25:15,652
Speaker 2: loan person and have a relationship with them and they

1869
01:25:15,692 --> 01:25:18,492
Speaker 2: could get to know you. I'm not talking about a

1870
01:25:18,652 --> 01:25:22,892
Speaker 2: physical or romantic relationship, just just a relationship where they

1871
01:25:23,013 --> 01:25:26,892
Speaker 2: knew you. That across all of our lives, that's being removed.

1872
01:25:26,933 --> 01:25:29,652
Speaker 2: That that interaction right down to you know, self checkout

1873
01:25:29,692 --> 01:25:32,013
Speaker 2: and supermarkets at that level as well, that interaction with

1874
01:25:32,053 --> 01:25:33,052
Speaker 2: people is being removed.

1875
01:25:33,812 --> 01:25:34,012
Speaker 13: Yeah.

1876
01:25:34,333 --> 01:25:36,093
Speaker 4: The thing I'd say to you guys is, you know,

1877
01:25:36,372 --> 01:25:38,692
Speaker 4: back back when I borrowed money to buy a house,

1878
01:25:39,093 --> 01:25:41,452
Speaker 4: you know, we were talking, you know, under one hundred

1879
01:25:41,452 --> 01:25:43,532
Speaker 4: and fifty k sort of thing. But still, you know

1880
01:25:43,692 --> 01:25:45,652
Speaker 4: the interest on it. Who is to see every month

1881
01:25:45,692 --> 01:25:47,532
Speaker 4: and think, oh my goodness, gracious, that's a lot. So

1882
01:25:47,933 --> 01:25:49,932
Speaker 4: I did everything to pay that lone off as fast

1883
01:25:49,933 --> 01:25:52,612
Speaker 4: as I could. In these days, you know, you're borrowing

1884
01:25:52,812 --> 01:25:56,173
Speaker 4: six hundred k plus to buy a house, and the

1885
01:25:56,213 --> 01:25:58,253
Speaker 4: interest on that's huge. So you know when you get

1886
01:25:58,853 --> 01:26:01,852
Speaker 4: just just the points shaved off, that can save you, guys,

1887
01:26:01,933 --> 01:26:04,692
Speaker 4: literally thousands of dollars. And you've got to understand that. Now,

1888
01:26:04,732 --> 01:26:07,772
Speaker 4: if I was to say to you guys, tomorrow, we'll

1889
01:26:07,893 --> 01:26:10,612
Speaker 4: just chuck three grand, would you just chuck me three

1890
01:26:10,652 --> 01:26:12,772
Speaker 4: grand for the sake of it, I'd like to have

1891
01:26:12,933 --> 01:26:14,612
Speaker 4: duel three thousand dollars. Just give it to me as

1892
01:26:14,612 --> 01:26:14,932
Speaker 4: a gift.

1893
01:26:15,093 --> 01:26:15,852
Speaker 8: Would you give it to me?

1894
01:26:16,333 --> 01:26:17,812
Speaker 4: So that's what you're doing for the bank. You know

1895
01:26:17,973 --> 01:26:20,293
Speaker 4: your kids are better off to have that, or your

1896
01:26:20,372 --> 01:26:23,253
Speaker 4: wife or your family or whatever that's better in your pocket.

1897
01:26:23,412 --> 01:26:23,572
Speaker 13: Yea.

1898
01:26:23,652 --> 01:26:27,133
Speaker 4: So, and that can save that money, can save you

1899
01:26:28,253 --> 01:26:30,852
Speaker 4: money going forward. You know, on your mortgage, you don't

1900
01:26:30,853 --> 01:26:33,612
Speaker 4: have to be stuck with a thirty year mortgage if

1901
01:26:33,652 --> 01:26:36,732
Speaker 4: you just pour everything into it at the starts as

1902
01:26:36,812 --> 01:26:37,412
Speaker 4: much as you can.

1903
01:26:38,133 --> 01:26:40,333
Speaker 2: Yeah, well played, Eric, Yeah, I've just got a text

1904
01:26:40,372 --> 01:26:42,612
Speaker 2: through on another. As you hear, my cousin's partner works

1905
01:26:42,652 --> 01:26:45,012
Speaker 2: at Zibbe. He just told us he left his hemorrhoid

1906
01:26:45,093 --> 01:26:46,212
Speaker 2: cream in the men's bathroom.

1907
01:26:49,213 --> 01:26:52,852
Speaker 3: Shame on you, Matt's oh, one hundred and eighty ten eighty,

1908
01:26:53,133 --> 01:26:55,612
Speaker 3: and you asked the question before how does the broker

1909
01:26:55,652 --> 01:26:57,173
Speaker 3: get paid? And lots of texts coming through on that.

1910
01:26:57,532 --> 01:26:59,532
Speaker 3: Now just as we're having a chat, I went to

1911
01:26:59,652 --> 01:27:03,572
Speaker 3: go look through our personal statement from our broker. And

1912
01:27:03,612 --> 01:27:05,452
Speaker 3: I'm not going to give too much information away here

1913
01:27:05,532 --> 01:27:07,293
Speaker 3: because I don't know how much I can actually say here.

1914
01:27:07,372 --> 01:27:11,892
Speaker 3: But WHI is why she wasn't going to do too

1915
01:27:12,013 --> 01:27:15,572
Speaker 3: much when I asked about refixing is because the refixed

1916
01:27:15,572 --> 01:27:19,492
Speaker 3: commission one hundred and fifty bucks. So you don't want

1917
01:27:19,532 --> 01:27:21,452
Speaker 3: to work too hard for that one hundred and fIF bucks.

1918
01:27:21,692 --> 01:27:25,173
Speaker 3: But if it's new lending or specialist lending, then she

1919
01:27:25,333 --> 01:27:27,612
Speaker 3: gets a nice week commission on that lending.

1920
01:27:27,772 --> 01:27:30,612
Speaker 2: So right, Yeah, because so this text through nineteen nine,

1921
01:27:30,652 --> 01:27:32,732
Speaker 2: two brokers get paid on dollar volume percentage of the

1922
01:27:32,772 --> 01:27:35,692
Speaker 2: loan amount. The banks pay pretty much the same, give

1923
01:27:35,812 --> 01:27:39,652
Speaker 2: or take. Yeah, yeah, but that annoys me. So because

1924
01:27:39,692 --> 01:27:41,572
Speaker 2: you've got a broker and they go, well, I'm not

1925
01:27:41,612 --> 01:27:42,772
Speaker 2: going to do too much now because I'm going to

1926
01:27:42,812 --> 01:27:45,333
Speaker 2: get one hundred and fifty dollar commission. But if you're

1927
01:27:45,333 --> 01:27:46,973
Speaker 2: a broker, I mean, there's a good chance you're an

1928
01:27:47,093 --> 01:27:50,772
Speaker 2: upwardly mobile young man, Tyler. You know, you've just moved

1929
01:27:50,812 --> 01:27:53,253
Speaker 2: from christ Church to Auckland. You know there's a good

1930
01:27:53,372 --> 01:27:55,173
Speaker 2: chance that at some point you're going to want to,

1931
01:27:55,612 --> 01:27:58,013
Speaker 2: you know, get yourself into even more horrific debt than

1932
01:27:58,053 --> 01:27:59,452
Speaker 2: you are in with your house in christ Church.

1933
01:27:59,572 --> 01:27:59,772
Speaker 3: Yeah.

1934
01:28:00,093 --> 01:28:02,372
Speaker 2: So for that broker, now you've looked at that and

1935
01:28:02,492 --> 01:28:05,772
Speaker 2: you've seen that she wasn't willing to do much work

1936
01:28:05,812 --> 01:28:07,652
Speaker 2: for you because there was only one hundred and fifty dollars.

1937
01:28:07,652 --> 01:28:08,933
Speaker 2: I mean, is that going to change the way you

1938
01:28:09,053 --> 01:28:11,692
Speaker 2: feel about her when you go for the big dirty

1939
01:28:11,772 --> 01:28:12,492
Speaker 2: down the road.

1940
01:28:12,412 --> 01:28:14,333
Speaker 3: Well no, because that's when she makes the money. So

1941
01:28:14,412 --> 01:28:16,372
Speaker 3: that's just the refixing. So when I come up, it's

1942
01:28:16,412 --> 01:28:18,293
Speaker 3: the same loan and I refix that's one hundred and

1943
01:28:18,333 --> 01:28:20,333
Speaker 3: fifty bucks she gets from the bank. Hellelujah.

1944
01:28:20,492 --> 01:28:20,732
Speaker 15: Yeah No.

1945
01:28:20,812 --> 01:28:22,932
Speaker 2: But what I'm saying is your loyalty to her might

1946
01:28:23,133 --> 01:28:25,492
Speaker 2: go down if she went the extra mile for you

1947
01:28:25,973 --> 01:28:28,692
Speaker 2: and really sorted out a great situation right now, even

1948
01:28:28,692 --> 01:28:29,973
Speaker 2: though she was going to get it one hundred and

1949
01:28:30,013 --> 01:28:32,852
Speaker 2: fifty bucks for it. When you go to do something

1950
01:28:32,893 --> 01:28:35,612
Speaker 2: else down the track, you might go to her again

1951
01:28:35,692 --> 01:28:37,612
Speaker 2: and you might have some loyalty to her because she's

1952
01:28:37,652 --> 01:28:39,612
Speaker 2: done the hard yards for you, you know what I'm saying.

1953
01:28:40,053 --> 01:28:41,692
Speaker 2: So if you're a broker, you might want to be

1954
01:28:41,772 --> 01:28:44,053
Speaker 2: going going hard for your clients the whole time.

1955
01:28:44,173 --> 01:28:45,532
Speaker 3: If you're a broker, I love to hear from you.

1956
01:28:45,572 --> 01:28:48,612
Speaker 2: On eight hundred and eighty Keiwi's love getting in debt.

1957
01:28:48,772 --> 01:28:52,892
Speaker 3: We certainly do. It's seventeen past three news talks. There

1958
01:28:53,013 --> 01:28:55,692
Speaker 3: be nineteen past three. We're talking about dealing with your

1959
01:28:55,772 --> 01:28:59,333
Speaker 3: bank directly versus brokers. I think it's fifty to fifty

1960
01:28:59,412 --> 01:29:00,732
Speaker 3: via the text machine at this stage.

1961
01:29:01,093 --> 01:29:03,012
Speaker 2: Yeah, and it's right. We need a broker to really

1962
01:29:03,093 --> 01:29:06,452
Speaker 2: come in and fight their corner on eight hundred and

1963
01:29:06,452 --> 01:29:08,732
Speaker 2: eighty ten eighty because we're not reading it all out,

1964
01:29:08,732 --> 01:29:10,013
Speaker 2: but they're taking a lot of stick here. On nine

1965
01:29:10,053 --> 01:29:10,973
Speaker 2: two nine two, I tell you.

1966
01:29:11,053 --> 01:29:14,213
Speaker 3: They certainly are. Bruce. What's you're feeling on dealing directly

1967
01:29:14,293 --> 01:29:14,772
Speaker 3: with banks?

1968
01:29:15,973 --> 01:29:16,572
Speaker 19: Hi guys.

1969
01:29:17,013 --> 01:29:18,852
Speaker 6: Look, I was just listening to the conversation. I'm a

1970
01:29:18,933 --> 01:29:21,173
Speaker 6: retired lawyer. I've been out of the game for two

1971
01:29:21,213 --> 01:29:23,652
Speaker 6: and a half years now. But what I used to

1972
01:29:23,732 --> 01:29:27,053
Speaker 6: find was that the banks weren't terribly negotiable with you

1973
01:29:27,412 --> 01:29:30,612
Speaker 6: if you're already with that bank. So if you were

1974
01:29:30,612 --> 01:29:32,772
Speaker 6: trying to renegotiate your mortgage will even if you wanted

1975
01:29:32,812 --> 01:29:35,253
Speaker 6: a new one you wanted to change houses for some reason,

1976
01:29:35,333 --> 01:29:37,452
Speaker 6: they weren't. There were no loyalty, you know, they wouldn't

1977
01:29:37,532 --> 01:29:39,293
Speaker 6: be a good deal. So you'd go to the broker

1978
01:29:39,893 --> 01:29:42,093
Speaker 6: and he touted around. He or she would tout it

1979
01:29:42,133 --> 01:29:45,213
Speaker 6: around all the other banks and generally come up with

1980
01:29:45,253 --> 01:29:49,333
Speaker 6: something much better. I could never understand it. Why they

1981
01:29:49,372 --> 01:29:52,652
Speaker 6: didn't want the customer they knew. Yeah, maybe it's changed.

1982
01:29:52,772 --> 01:29:54,692
Speaker 6: Maybe if you can get a broken they may be

1983
01:29:54,772 --> 01:29:57,012
Speaker 6: able to shed some light on it. But the broker

1984
01:29:57,093 --> 01:30:00,093
Speaker 6: that I used to work through a lot, we just

1985
01:30:00,133 --> 01:30:02,572
Speaker 6: couldn't figure it out. Why are the banks they had

1986
01:30:02,612 --> 01:30:04,652
Speaker 6: no loyalty to their existing mortgage client.

1987
01:30:05,412 --> 01:30:06,492
Speaker 13: Bruce isn't making any sense.

1988
01:30:06,612 --> 01:30:09,093
Speaker 2: But Bruce is a lawyer in your li I guess

1989
01:30:09,253 --> 01:30:12,492
Speaker 2: you would be more open to discussion because that would

1990
01:30:12,492 --> 01:30:14,372
Speaker 2: that was part of part of your life, you know,

1991
01:30:14,532 --> 01:30:17,173
Speaker 2: someone someone like you would go to your bank with

1992
01:30:17,412 --> 01:30:21,093
Speaker 2: a bunch of skills in the bank as it were.

1993
01:30:22,293 --> 01:30:24,572
Speaker 6: I never negotiated with the banks directly at all. It

1994
01:30:24,692 --> 01:30:27,412
Speaker 6: was always through the brokers. They present the deals on

1995
01:30:27,492 --> 01:30:30,692
Speaker 6: behalf of the client and you go from there and

1996
01:30:30,812 --> 01:30:32,333
Speaker 6: just you know, our job was just to fill up

1997
01:30:32,372 --> 01:30:34,612
Speaker 6: the paperwork and make sure the bank got on the

1998
01:30:34,692 --> 01:30:37,572
Speaker 6: title and the security was all done and the client

1999
01:30:37,732 --> 01:30:40,173
Speaker 6: was advised and all that sort of thing. So but

2000
01:30:40,253 --> 01:30:43,132
Speaker 6: we're just you know, every time it came up almost

2001
01:30:43,173 --> 01:30:48,772
Speaker 6: about fail, the bank of the existing existing client, bank

2002
01:30:49,173 --> 01:30:50,532
Speaker 6: wouldn't wouldn't come up with.

2003
01:30:50,572 --> 01:30:51,293
Speaker 13: A very good deal.

2004
01:30:51,572 --> 01:30:53,972
Speaker 6: Yeah. I wonder, Bruce, if you wanted to get the business,

2005
01:30:54,053 --> 01:30:55,892
Speaker 6: But after that they weren't interested. Yeah.

2006
01:30:55,973 --> 01:30:57,692
Speaker 3: Do you think some of it is because banks are

2007
01:30:57,692 --> 01:31:00,572
Speaker 3: starting to understand that it is getting more easy for

2008
01:31:00,652 --> 01:31:03,532
Speaker 3: people to change if they so choose. There's a little

2009
01:31:03,572 --> 01:31:05,972
Speaker 3: bit more competition in the market. And you know, because

2010
01:31:06,013 --> 01:31:08,012
Speaker 3: it used to be that you were far more likely

2011
01:31:08,053 --> 01:31:10,772
Speaker 3: to get divorced and change banks. They knew that, so

2012
01:31:10,853 --> 01:31:14,013
Speaker 3: they didn't try so hard to you know, to negotiate,

2013
01:31:14,133 --> 01:31:15,692
Speaker 3: and they thought you're going to stick with us, whether

2014
01:31:15,732 --> 01:31:16,692
Speaker 3: we give you a good deal or not.

2015
01:31:18,732 --> 01:31:23,092
Speaker 6: Maybe maybe that was it. Just it was weird because

2016
01:31:23,133 --> 01:31:25,372
Speaker 6: you go to go for the bank to get a

2017
01:31:25,412 --> 01:31:27,492
Speaker 6: new client, and they've got to give them a cash incentive,

2018
01:31:27,612 --> 01:31:30,333
Speaker 6: a good rate, They've got to pay a broker the

2019
01:31:30,372 --> 01:31:33,093
Speaker 6: commission on the whole deal. It's an extensive exercise for them.

2020
01:31:33,213 --> 01:31:35,852
Speaker 6: You think we've already got somebody here. Why don't we

2021
01:31:35,973 --> 01:31:38,412
Speaker 6: just cut them a little bit of a decent rate

2022
01:31:38,452 --> 01:31:41,253
Speaker 6: and renew the mortgage and get off with business instead

2023
01:31:41,253 --> 01:31:44,012
Speaker 6: of making round going back to get more market share.

2024
01:31:44,093 --> 01:31:44,972
Speaker 6: Didn't make any sense.

2025
01:31:45,133 --> 01:31:48,253
Speaker 2: So Brice, how exactly does the commission work for the

2026
01:31:48,412 --> 01:31:51,772
Speaker 2: broker so they get a commission going right to the

2027
01:31:51,893 --> 01:31:54,013
Speaker 2: end of you paying off the mortgage, uns you make

2028
01:31:54,053 --> 01:31:54,492
Speaker 2: a change.

2029
01:31:55,572 --> 01:31:57,892
Speaker 6: I have no idea, to be honest, I never got

2030
01:31:57,973 --> 01:31:59,852
Speaker 6: into that. I doubt it would go for the whole

2031
01:31:59,933 --> 01:32:02,612
Speaker 6: life of the mortgage. And sure I think with insurance

2032
01:32:02,893 --> 01:32:06,173
Speaker 6: you get the commissioners if the policy stays alive for

2033
01:32:06,732 --> 01:32:09,013
Speaker 6: whatever it is, twelve month, twenty four month to the

2034
01:32:09,053 --> 01:32:10,052
Speaker 6: banks are the same.

2035
01:32:10,173 --> 01:32:12,053
Speaker 3: Bruce, thank you very much. Well, I'll tell you what

2036
01:32:12,173 --> 01:32:14,133
Speaker 3: a broker has called in so we have a chat

2037
01:32:14,173 --> 01:32:16,412
Speaker 3: to them very shortly on how it all works.

2038
01:32:16,452 --> 01:32:18,972
Speaker 2: Oh, there you go, a broker fighting the corner. Up next.

2039
01:32:23,452 --> 01:32:26,812
Speaker 1: Matt Heath and Tyler Adams afternoons call oh eight hundred

2040
01:32:26,893 --> 01:32:28,812
Speaker 1: eighty ten eighty on Youth Talk ZEDB.

2041
01:32:29,213 --> 01:32:31,972
Speaker 3: Good afternoon, it's twenty five past three and we're chatting

2042
01:32:32,013 --> 01:32:36,692
Speaker 3: about brokers versus dealing directly with your bank. And we

2043
01:32:37,093 --> 01:32:39,372
Speaker 3: have had a broker call up Patrick.

2044
01:32:39,412 --> 01:32:41,093
Speaker 23: How are you hey?

2045
01:32:41,213 --> 01:32:41,412
Speaker 13: Good?

2046
01:32:41,452 --> 01:32:42,772
Speaker 6: Thank you you guys good.

2047
01:32:42,933 --> 01:32:44,852
Speaker 3: So, first up, how does it all work for you?

2048
01:32:45,013 --> 01:32:46,213
Speaker 3: How do you make your money?

2049
01:32:47,652 --> 01:32:49,973
Speaker 23: Well, basically, I think one of your callers are right

2050
01:32:50,093 --> 01:32:53,572
Speaker 23: or the text message on new lending, you get certain

2051
01:32:53,572 --> 01:32:58,372
Speaker 23: percentage of your lending as a fee. Now different banks

2052
01:32:58,412 --> 01:33:03,812
Speaker 23: pay different amount. I think one of your listeners mentioned

2053
01:33:03,893 --> 01:33:07,333
Speaker 23: that wherever the broker gets the most commissioned, that's where

2054
01:33:07,333 --> 01:33:11,293
Speaker 23: you'll take them. That is absolutely false. All of us

2055
01:33:11,452 --> 01:33:14,972
Speaker 23: are always audits it so we actually have to present

2056
01:33:15,053 --> 01:33:17,972
Speaker 23: two three different options and actually track all of that stuff.

2057
01:33:18,492 --> 01:33:20,732
Speaker 23: So when we get audited, we can see why we

2058
01:33:20,853 --> 01:33:23,692
Speaker 23: took a client to that bank, and that has to

2059
01:33:23,812 --> 01:33:27,213
Speaker 23: do with what's best for the client, whether that be

2060
01:33:27,333 --> 01:33:31,333
Speaker 23: the raids or what they wanted to achieve and Patrick.

2061
01:33:31,372 --> 01:33:34,253
Speaker 2: How long do you so when you negotiate a commission

2062
01:33:34,372 --> 01:33:37,692
Speaker 2: with a bank, is it always the same commission or

2063
01:33:37,732 --> 01:33:39,852
Speaker 2: do you get to negotiate the size of the commission

2064
01:33:40,133 --> 01:33:42,412
Speaker 2: and how long does that commission run for in terms

2065
01:33:42,452 --> 01:33:43,052
Speaker 2: of the mortgage.

2066
01:33:44,412 --> 01:33:47,133
Speaker 23: So no, so that the banks will give you off

2067
01:33:47,173 --> 01:33:50,053
Speaker 23: front commission, There'll be a percentage there, so you don't

2068
01:33:50,133 --> 01:33:53,532
Speaker 23: negotiate that sort of stuff. It's already built and everybody

2069
01:33:53,572 --> 01:33:57,732
Speaker 23: gets the same amount. A different bank will play a trail.

2070
01:33:57,933 --> 01:34:01,293
Speaker 23: Some banks will pay you just upfront and then they

2071
01:34:01,293 --> 01:34:03,652
Speaker 23: will tell you done to that bank for at least

2072
01:34:03,893 --> 01:34:07,812
Speaker 23: two to three years. Sometimes as long as the client

2073
01:34:07,893 --> 01:34:09,772
Speaker 23: has them RUGA is there for two to three years,

2074
01:34:10,372 --> 01:34:12,213
Speaker 23: the money is yours. Otherwise you have to pay their

2075
01:34:12,253 --> 01:34:15,293
Speaker 23: bank if the client takes away the mortgage or goes

2076
01:34:15,333 --> 01:34:15,892
Speaker 23: somewhere else.

2077
01:34:16,093 --> 01:34:18,013
Speaker 2: So if the if the client goes in and negotiates

2078
01:34:18,053 --> 01:34:20,692
Speaker 2: the mortgage themselves, then then within that time then your

2079
01:34:20,732 --> 01:34:21,853
Speaker 2: commission disappears.

2080
01:34:22,772 --> 01:34:24,732
Speaker 23: Well, not so much negotiating, but if they move away

2081
01:34:24,772 --> 01:34:27,293
Speaker 23: from the bank, or say, for example, they've sold the

2082
01:34:27,333 --> 01:34:31,253
Speaker 23: house or refinding somewhere else, that's sort of that sort

2083
01:34:31,253 --> 01:34:32,732
Speaker 23: of stuff, then you have to pay the money back.

2084
01:34:33,093 --> 01:34:35,893
Speaker 2: Interesting and so Patrick, when it comes to using a

2085
01:34:35,933 --> 01:34:39,133
Speaker 2: broker or negotiating yourself, what do you I mean, you're

2086
01:34:39,133 --> 01:34:41,333
Speaker 2: a broker, So can you sell to us what a

2087
01:34:41,372 --> 01:34:42,052
Speaker 2: broker brings?

2088
01:34:43,333 --> 01:34:44,293
Speaker 19: Well, I can.

2089
01:34:44,853 --> 01:34:47,253
Speaker 23: I've been I'm an ex banker, ken hears in banking,

2090
01:34:48,013 --> 01:34:49,612
Speaker 23: so I've been on buz side of the coin, and

2091
01:34:49,732 --> 01:34:53,092
Speaker 23: i can tell you. Look, you will get some people

2092
01:34:53,133 --> 01:34:56,253
Speaker 23: in the banks that will work do the best for

2093
01:34:56,293 --> 01:34:59,253
Speaker 23: the clients. But majority of the time, somebody who works

2094
01:34:59,293 --> 01:35:01,612
Speaker 23: for the bank, works for the bank, does not work

2095
01:35:01,652 --> 01:35:05,372
Speaker 23: for you. A broker works for you will always get

2096
01:35:05,572 --> 01:35:08,532
Speaker 23: you the best deal, all right. The banks are out

2097
01:35:08,572 --> 01:35:10,772
Speaker 23: there to make profit, doesn't matter what they are saying,

2098
01:35:11,372 --> 01:35:14,012
Speaker 23: you know, so they will always try to get what's

2099
01:35:14,093 --> 01:35:16,572
Speaker 23: best for them. If you offer you something, and if

2100
01:35:16,612 --> 01:35:19,812
Speaker 23: you don't negotiate and you don't know what your power

2101
01:35:19,853 --> 01:35:22,852
Speaker 23: of negotiation is, you will most likely take that offer.

2102
01:35:22,973 --> 01:35:26,372
Speaker 23: Where a broker will know exactly what's been offered in

2103
01:35:26,452 --> 01:35:28,732
Speaker 23: the market by who, and they can go, hey, this

2104
01:35:28,893 --> 01:35:31,652
Speaker 23: particular bank is offering this amount. Why are you not

2105
01:35:31,732 --> 01:35:33,692
Speaker 23: matching this for my client? That's fine.

2106
01:35:33,692 --> 01:35:35,133
Speaker 19: If you're not doing this, it's okay.

2107
01:35:35,372 --> 01:35:37,173
Speaker 23: We can wait and we'll take you to another bank

2108
01:35:37,572 --> 01:35:40,972
Speaker 23: which can offer you that provided that's what the client wants.

2109
01:35:41,133 --> 01:35:43,852
Speaker 3: Now it's a good perch. Do you deal with all banks, Petrick,

2110
01:35:43,933 --> 01:35:46,093
Speaker 3: or are you pretty upfront with your clients that there

2111
01:35:46,173 --> 01:35:48,933
Speaker 3: are some banks that you don't negotiate.

2112
01:35:48,532 --> 01:35:52,372
Speaker 23: With No me for myself, Yes, I deal with all

2113
01:35:52,492 --> 01:35:55,092
Speaker 23: banks and all on back over twenty five different lenders.

2114
01:35:55,133 --> 01:35:58,612
Speaker 23: So the options are endless, you know. So just depending

2115
01:35:58,652 --> 01:36:02,253
Speaker 23: on what the client needs their situation, you can go

2116
01:36:02,333 --> 01:36:03,452
Speaker 23: anywhere and.

2117
01:36:03,532 --> 01:36:05,293
Speaker 12: Pat do you have benefit?

2118
01:36:05,452 --> 01:36:07,892
Speaker 2: Do you have particular relationships with the people at these

2119
01:36:08,093 --> 01:36:11,692
Speaker 2: lean so you go to the same person each time

2120
01:36:11,812 --> 01:36:14,732
Speaker 2: so you know them, or you just go to whoever

2121
01:36:14,732 --> 01:36:15,812
Speaker 2: the bank puts up in front of you.

2122
01:36:17,293 --> 01:36:18,652
Speaker 19: It just depends.

2123
01:36:18,772 --> 01:36:21,772
Speaker 23: Sometimes you will have a specific team that takes care

2124
01:36:21,812 --> 01:36:24,972
Speaker 23: of all your deals. So different market advisors have different

2125
01:36:24,973 --> 01:36:27,213
Speaker 23: people they look after them. When I say advisors are

2126
01:36:27,293 --> 01:36:32,253
Speaker 23: meant they advisor groups, right, So for example you have

2127
01:36:32,692 --> 01:36:35,093
Speaker 23: Global Fine and so load markets, so different people will

2128
01:36:35,133 --> 01:36:40,213
Speaker 23: look after that sort of stuff. Yeah, well the different banks,

2129
01:36:40,293 --> 01:36:41,852
Speaker 23: Like if he has a smaller bank, then it's a

2130
01:36:41,853 --> 01:36:45,293
Speaker 23: smaller crew, so you know the people. For me, like

2131
01:36:45,372 --> 01:36:47,853
Speaker 23: I said, I'm an expanker, so I have a relationship

2132
01:36:47,893 --> 01:36:51,652
Speaker 23: in banks or cenin. Relationships come in handy where you

2133
01:36:51,732 --> 01:36:54,732
Speaker 23: know the banks are right now turning loans around and

2134
01:36:55,093 --> 01:36:57,932
Speaker 23: fifteen days ten days, where I can get that done

2135
01:36:57,973 --> 01:37:00,133
Speaker 23: in five days because I have a relationship.

2136
01:37:00,652 --> 01:37:03,213
Speaker 2: And so when you go to negotiate with a bank

2137
01:37:03,253 --> 01:37:05,692
Speaker 2: as opposed to someone negotiating the south as a broker,

2138
01:37:05,772 --> 01:37:09,452
Speaker 2: experience broker realistically, what sort of a scene difference can

2139
01:37:09,612 --> 01:37:13,532
Speaker 2: you make in terms of people's repayment rates.

2140
01:37:14,452 --> 01:37:16,333
Speaker 19: Well, it depends on the bank.

2141
01:37:16,652 --> 01:37:20,212
Speaker 23: Some banks are quite upfront what they offer the clients

2142
01:37:21,973 --> 01:37:26,052
Speaker 23: versus what you get to the broker, but you wouldn't

2143
01:37:26,133 --> 01:37:28,412
Speaker 23: know what the market is offering out there, So there

2144
01:37:28,532 --> 01:37:32,532
Speaker 23: might be some negotiation power where it just depends right

2145
01:37:33,133 --> 01:37:37,253
Speaker 23: on clients' circumstance. Usually, if the bank knows they hold

2146
01:37:37,333 --> 01:37:40,333
Speaker 23: the power, which means you know, you've just moved the

2147
01:37:40,412 --> 01:37:43,053
Speaker 23: mortgage over. You can't really move anywhere. If you do

2148
01:37:43,213 --> 01:37:44,652
Speaker 23: move somewhere, you have to pay back a lot of

2149
01:37:44,692 --> 01:37:47,333
Speaker 23: cash and things like that. They won't negotiate with you, right.

2150
01:37:47,492 --> 01:37:49,532
Speaker 23: But if you know, if they know that you can

2151
01:37:49,612 --> 01:37:52,293
Speaker 23: move away somewhere and we'll lose the client, there might

2152
01:37:52,452 --> 01:37:54,852
Speaker 23: be okay, great, we'll give you two gin cash on

2153
01:37:54,933 --> 01:37:57,053
Speaker 23: top or whatever. We'll just count this weight a little

2154
01:37:57,053 --> 01:37:59,412
Speaker 23: bit more. Find of situation.

2155
01:37:59,612 --> 01:38:02,492
Speaker 3: Interesting, Thank you very much. Patrick. Well, he sold that

2156
01:38:02,572 --> 01:38:03,572
Speaker 3: well as a broker, didn't he?

2157
01:38:04,412 --> 01:38:04,732
Speaker 13: Hey did?

2158
01:38:04,853 --> 01:38:05,053
Speaker 20: Yeah?

2159
01:38:06,333 --> 01:38:09,732
Speaker 2: Not everyone on the text machine is convinced. But I mean,

2160
01:38:09,812 --> 01:38:12,052
Speaker 2: this person here has texted through baked beans on pizza.

2161
01:38:12,093 --> 01:38:12,932
Speaker 2: I'm not sure what that means.

2162
01:38:13,133 --> 01:38:15,892
Speaker 3: Love bake means of pizza. That sounds like a good time. Oh,

2163
01:38:15,973 --> 01:38:17,932
Speaker 3: eight hundred and eighty ten eighties number of COO. We're

2164
01:38:17,933 --> 01:38:21,012
Speaker 3: going to pick this up after the headlines which are next.

2165
01:38:21,093 --> 01:38:22,812
Speaker 3: It is twenty nine to four.

2166
01:38:22,933 --> 01:38:26,253
Speaker 2: And then we're going to talk to the man that

2167
01:38:26,492 --> 01:38:29,412
Speaker 2: is heading the attack down at Hagley for the black

2168
01:38:29,492 --> 01:38:33,093
Speaker 2: Caps and the first Test match against England's tomorrow. Matt

2169
01:38:33,133 --> 01:38:35,293
Speaker 2: Henry Great, New Zealander, great bowler.

2170
01:38:35,093 --> 01:38:35,772
Speaker 3: Looking forward to that.

2171
01:38:38,572 --> 01:38:42,173
Speaker 16: US talk SEDB headlines with blue bubble taxis, it's no

2172
01:38:42,333 --> 01:38:45,173
Speaker 16: trouble with a blue bubble. The Reserve Bank has cut

2173
01:38:45,213 --> 01:38:48,492
Speaker 16: the OCR another fifty basis points to four point two

2174
01:38:48,612 --> 01:38:52,333
Speaker 16: five percent and is signaling more cuts ahead A and

2175
01:38:52,452 --> 01:38:56,333
Speaker 16: Z ASB B and z Kiwi Bank and the Cooperative

2176
01:38:56,412 --> 01:39:00,292
Speaker 16: Bank have lowered their rates. Police are warning serious injuries

2177
01:39:00,452 --> 01:39:03,412
Speaker 16: are likely in the Bay of Plenty for people involved

2178
01:39:03,492 --> 01:39:06,412
Speaker 16: in a two vehicle crash on State Highway One between

2179
01:39:06,492 --> 01:39:10,972
Speaker 16: Tito and Pireeri. Elsewhere, two people are in hospital after

2180
01:39:11,013 --> 01:39:13,852
Speaker 16: a number were injured when a van rolled a deer

2181
01:39:13,973 --> 01:39:18,852
Speaker 16: flat near Queenstown, with one lane still closed. More jobs

2182
01:39:18,933 --> 01:39:22,012
Speaker 16: are on the line at Health New Zealand Consultant Union.

2183
01:39:22,053 --> 01:39:25,293
Speaker 16: The PSA says a net fourteen hundred and seventy eight

2184
01:39:25,412 --> 01:39:29,132
Speaker 16: rolls are under threat across four teams, about seven hundred

2185
01:39:29,173 --> 01:39:32,093
Speaker 16: of those currently vacant. Decisions will be made in.

2186
01:39:32,133 --> 01:39:32,692
Speaker 10: The new year.

2187
01:39:33,652 --> 01:39:37,213
Speaker 16: A ceasefire has begun between Israel and Lebanon in a

2188
01:39:37,333 --> 01:39:41,333
Speaker 16: deal announced today. Ahead of the PAWS, Israel launched extensive

2189
01:39:41,372 --> 01:39:45,572
Speaker 16: strikes on Southern Bay route this morning. Winston Peters urges

2190
01:39:45,652 --> 01:39:48,932
Speaker 16: France and New Caledonia to find a new pathway forward

2191
01:39:49,293 --> 01:39:52,572
Speaker 16: after unrest. You can read more at enzid Herald Premium.

2192
01:39:52,933 --> 01:39:54,652
Speaker 16: Now back to matt Ethan Tyler Adams.

2193
01:39:54,692 --> 01:39:55,812
Speaker 3: Thank you very much. Ray Lane.

2194
01:39:56,133 --> 01:39:59,173
Speaker 2: Yeah, so the ocr has been lowered fifty basis points

2195
01:39:59,213 --> 01:40:02,412
Speaker 2: to four point two five. We're talking about negotiating with

2196
01:40:02,492 --> 01:40:05,932
Speaker 2: your bank as opposed to go into a broker. Hey, guys,

2197
01:40:05,973 --> 01:40:08,812
Speaker 2: I told my bank I was waiting till today's announcement

2198
01:40:08,893 --> 01:40:10,812
Speaker 2: to refix and was going to shop around. So they

2199
01:40:10,853 --> 01:40:12,492
Speaker 2: offered me one thousand dollars to stay with them.

2200
01:40:12,572 --> 01:40:15,213
Speaker 3: Oh that's a good deal. Well there you go. All right, okay,

2201
01:40:15,253 --> 01:40:17,412
Speaker 3: all right, Andrew, you're a mortgage advisor.

2202
01:40:19,093 --> 01:40:23,812
Speaker 11: Yeah, I've got about fifty staff. My firm is Mortgage HQ,

2203
01:40:24,133 --> 01:40:26,813
Speaker 11: so we've got a lot of experience with the renewals

2204
01:40:26,853 --> 01:40:29,452
Speaker 11: and refix based and helping people with their mortgages.

2205
01:40:29,812 --> 01:40:33,293
Speaker 2: So as a mortgagevis sorry, as a mortgage advisor, the

2206
01:40:33,333 --> 01:40:34,452
Speaker 2: same as a mortgage broker.

2207
01:40:35,853 --> 01:40:38,333
Speaker 11: So that's the distinction. I think that it's key to

2208
01:40:38,412 --> 01:40:42,093
Speaker 11: make right from the beginning. So your old school reference point,

2209
01:40:42,173 --> 01:40:44,852
Speaker 11: as everybody used to call mortgage advisors mortgage brokers, and

2210
01:40:44,933 --> 01:40:47,372
Speaker 11: it's a term in New Zealand that has just stuck.

2211
01:40:48,173 --> 01:40:50,692
Speaker 11: But technically speaking, we're not mortgage brokers.

2212
01:40:50,692 --> 01:40:51,773
Speaker 8: We're mortgage advisors.

2213
01:40:51,893 --> 01:40:55,733
Speaker 11: And there's been a big shift to becoming financial advisors,

2214
01:40:56,053 --> 01:41:00,053
Speaker 11: especially the if the Financial Market Authority has overlaid new

2215
01:41:00,173 --> 01:41:05,653
Speaker 11: expectations into what they expect from financial advisors. So there's

2216
01:41:05,692 --> 01:41:07,532
Speaker 11: two kind of key ways to look at it. When

2217
01:41:07,572 --> 01:41:10,812
Speaker 11: you're talking to a mortgage advisor, mortgage broker is the

2218
01:41:10,893 --> 01:41:13,173
Speaker 11: first thing they want to do is help you get

2219
01:41:13,213 --> 01:41:17,173
Speaker 11: a better deal interest rates, cash back. They really are

2220
01:41:17,293 --> 01:41:20,093
Speaker 11: like helping you broker a better deal from your bank.

2221
01:41:20,492 --> 01:41:22,492
Speaker 11: And if you're going to buy a property or settling

2222
01:41:22,572 --> 01:41:24,692
Speaker 11: on a property, that that's really important you want to

2223
01:41:24,732 --> 01:41:27,572
Speaker 11: get a good deal. Now, it used to be what

2224
01:41:27,692 --> 01:41:29,812
Speaker 11: we've been doing that ten years at Mortgage h Q.

2225
01:41:29,973 --> 01:41:32,692
Speaker 11: It used to be when interest rates were dropping and

2226
01:41:33,412 --> 01:41:36,612
Speaker 11: it was a highly competitive market that you actually could

2227
01:41:37,173 --> 01:41:41,173
Speaker 11: reliably get better rate through a mortgage broker than going

2228
01:41:41,213 --> 01:41:45,053
Speaker 11: direct to the bank. Not always, but quite often. It's

2229
01:41:45,133 --> 01:41:47,492
Speaker 11: not as much the case these days as it used

2230
01:41:47,532 --> 01:41:50,213
Speaker 11: to be that you would get better deals through different

2231
01:41:50,293 --> 01:41:52,772
Speaker 11: banks or different channels, Like they're all kind of around

2232
01:41:52,853 --> 01:41:56,772
Speaker 11: about the same. The real difference you get working with

2233
01:41:56,853 --> 01:42:01,212
Speaker 11: a mortgage advisor is the long term advice and planning,

2234
01:42:01,893 --> 01:42:05,733
Speaker 11: and like a mortgage advisor is super committed to understanding

2235
01:42:05,812 --> 01:42:09,052
Speaker 11: your whole position and your goals when you're when you're buying,

2236
01:42:09,133 --> 01:42:11,532
Speaker 11: and like a lot of people, they have a vision

2237
01:42:11,612 --> 01:42:13,652
Speaker 11: for their life that they want to build, like a

2238
01:42:13,772 --> 01:42:17,053
Speaker 11: financial freedom, and that's why they buy a property. They

2239
01:42:17,093 --> 01:42:20,132
Speaker 11: want to have stability, they want to create wealth for themselves,

2240
01:42:20,772 --> 01:42:24,612
Speaker 11: So negotiating good interest rates is part of that. But

2241
01:42:24,732 --> 01:42:26,612
Speaker 11: what you find with a lot of mortgage advisors and

2242
01:42:26,692 --> 01:42:29,732
Speaker 11: financial advisors in general is they want to help clients

2243
01:42:29,853 --> 01:42:33,652
Speaker 11: over a long term, and you don't really get that

2244
01:42:33,732 --> 01:42:36,772
Speaker 11: when you go to the bank direct. The banker that

2245
01:42:36,812 --> 01:42:38,852
Speaker 11: you're going to talk to is going to do everything

2246
01:42:38,933 --> 01:42:40,893
Speaker 11: that they can to help you on the phone for

2247
01:42:41,093 --> 01:42:45,253
Speaker 11: that one particular call, but it's not likely that you're

2248
01:42:45,293 --> 01:42:48,293
Speaker 11: going to get that same banker year after year after year.

2249
01:42:49,293 --> 01:42:51,372
Speaker 11: Really good bankers get promoted.

2250
01:42:51,372 --> 01:42:52,012
Speaker 13: And they leave.

2251
01:42:52,293 --> 01:42:54,692
Speaker 11: You know, the guy you just had on before, he

2252
01:42:55,093 --> 01:42:57,213
Speaker 11: worked at the bank for ten years, got experience, and

2253
01:42:57,293 --> 01:43:00,053
Speaker 11: now he's a mortgage broker out on his own. So

2254
01:43:00,812 --> 01:43:04,293
Speaker 11: if you want consistency and you want somebody or like

2255
01:43:04,372 --> 01:43:07,492
Speaker 11: a company like mortgage HQ that understands your position and

2256
01:43:07,572 --> 01:43:11,532
Speaker 11: your goals over the long term, don't get distracted by

2257
01:43:12,053 --> 01:43:13,293
Speaker 11: or how do I get the best rate? How do

2258
01:43:13,333 --> 01:43:14,892
Speaker 11: I get the best cash back? How do I shop

2259
01:43:14,933 --> 01:43:17,612
Speaker 11: around and spend a lot of time trying to nichelan

2260
01:43:17,732 --> 01:43:20,612
Speaker 11: dime for a point one percent discount? I mean, that

2261
01:43:20,732 --> 01:43:24,213
Speaker 11: can help, but it's way more important you're working with

2262
01:43:24,412 --> 01:43:27,013
Speaker 11: somebody you trust. As a financial advisor that helps you

2263
01:43:27,093 --> 01:43:31,812
Speaker 11: understand revolving credit and offset and interests only loans and

2264
01:43:32,452 --> 01:43:36,772
Speaker 11: asset protection and building wealth through owning multiple properties.

2265
01:43:37,133 --> 01:43:40,293
Speaker 2: As you said, and Andrew, what does a mortgage advisor

2266
01:43:40,372 --> 01:43:40,692
Speaker 2: cost you?

2267
01:43:42,173 --> 01:43:44,893
Speaker 11: So mortgage advisor is generally free. The only reason that

2268
01:43:45,053 --> 01:43:48,293
Speaker 11: it wouldn't be free is if the mortgage advisor, right

2269
01:43:48,333 --> 01:43:50,932
Speaker 11: from the beginning understands that the client has a goal

2270
01:43:51,732 --> 01:43:56,612
Speaker 11: that revolves around the advisor won't get paid from any

2271
01:43:56,772 --> 01:43:59,772
Speaker 11: lender or institution, and they just discuss the feed that

2272
01:44:00,333 --> 01:44:03,253
Speaker 11: it might be two hundred dollars an hour, ten hours,

2273
01:44:03,412 --> 01:44:06,412
Speaker 11: two thousand dollars, and the client is very happy to

2274
01:44:06,452 --> 01:44:10,292
Speaker 11: pay that fee. Because the mortgage advisors financial advisors.

2275
01:44:10,412 --> 01:44:11,653
Speaker 12: We are experts.

2276
01:44:12,013 --> 01:44:15,053
Speaker 11: We have training, we've got to do studies, we've got

2277
01:44:15,093 --> 01:44:20,293
Speaker 11: to hold accreditations, we have conduct obligations, We've we've been

2278
01:44:20,372 --> 01:44:23,932
Speaker 11: monitored by the Financial Market Authority ten years ago. When

2279
01:44:23,973 --> 01:44:26,973
Speaker 11: we started, it could be a taxi driver and the

2280
01:44:27,093 --> 01:44:30,412
Speaker 11: next day be a mortgage broker. It's not like that anymore.

2281
01:44:31,732 --> 01:44:35,573
Speaker 11: Like a mortgage HQ. We have so many compliance obligations

2282
01:44:35,652 --> 01:44:37,093
Speaker 11: it's unbelievable.

2283
01:44:37,293 --> 01:44:39,452
Speaker 3: Yeah, Andrew, Well, thank you very much for giving us

2284
01:44:39,452 --> 01:44:41,333
Speaker 3: a call. I will say, though you know the fact

2285
01:44:41,333 --> 01:44:43,452
Speaker 3: that it's still on commission. I don't know if I

2286
01:44:43,692 --> 01:44:46,452
Speaker 3: like that, because the commission base means that unless they

2287
01:44:46,492 --> 01:44:49,812
Speaker 3: are getting some kickbacks somewhere, are they really working hard

2288
01:44:49,853 --> 01:44:51,692
Speaker 3: for you. I get what Andrew's saying, but that whole

2289
01:44:51,772 --> 01:44:54,093
Speaker 3: thing about we're going to set you up financially and

2290
01:44:54,173 --> 01:44:57,053
Speaker 3: make sure everything's sorted out unless they're getting paid, I

2291
01:44:57,213 --> 01:44:59,053
Speaker 3: just don't know if they'll do that. Yeah, and all

2292
01:44:59,093 --> 01:45:00,812
Speaker 3: them an advisor, broker, whatever you want to do. I

2293
01:45:00,853 --> 01:45:02,253
Speaker 3: know they do specialist training.

2294
01:45:02,412 --> 01:45:04,133
Speaker 2: But we One thing you can say about Andrew, he

2295
01:45:04,173 --> 01:45:05,692
Speaker 2: does know how to get the name of his business

2296
01:45:05,732 --> 01:45:06,852
Speaker 2: into a phone called the News Talks.

2297
01:45:06,893 --> 01:45:11,892
Speaker 1: He'd be certainly it is twenty to four Mattie Tyler

2298
01:45:11,933 --> 01:45:14,972
Speaker 1: Adams with you with your afternoon Rolls. Are matt Eath

2299
01:45:15,013 --> 01:45:17,492
Speaker 1: and Tyler Adams Afternoon US Talks.

2300
01:45:17,532 --> 01:45:21,692
Speaker 3: They'd be right. Discussion about brokers, mortgage advisors and dealing

2301
01:45:21,732 --> 01:45:26,213
Speaker 3: with the bank direct l you're a bank yourself, how

2302
01:45:26,293 --> 01:45:28,692
Speaker 3: you guys are you? You're good? So as a banker,

2303
01:45:28,772 --> 01:45:29,652
Speaker 3: what's your take on it?

2304
01:45:32,253 --> 01:45:35,532
Speaker 18: Well, with my expert, it's always good to deal directly

2305
01:45:35,612 --> 01:45:38,932
Speaker 18: with the bank because you have one on one relationships.

2306
01:45:38,973 --> 01:45:42,692
Speaker 18: The banker knows exactly what you do. Secondly, by bankers

2307
01:45:42,732 --> 01:45:44,772
Speaker 18: are prom to come back to you rather than going

2308
01:45:44,853 --> 01:45:47,452
Speaker 18: through a broker. Now, broker could take a few take

2309
01:45:47,492 --> 01:45:49,572
Speaker 18: a few days to put a deal together, and the

2310
01:45:49,612 --> 01:45:53,652
Speaker 18: bank will take few days to process the deal. So

2311
01:45:54,333 --> 01:45:56,612
Speaker 18: you are waiting for at least seven to ten working

2312
01:45:56,732 --> 01:45:59,772
Speaker 18: days from when you've seen the broker. But with a banker,

2313
01:46:00,772 --> 01:46:03,452
Speaker 18: if you're surgent, the banker may come back to you

2314
01:46:03,692 --> 01:46:05,932
Speaker 18: then maybe let's say twenty four hours.

2315
01:46:06,692 --> 01:46:09,732
Speaker 2: Now, l you say you have a relationship with your banker,

2316
01:46:09,973 --> 01:46:14,213
Speaker 2: But so I was saying before I had my banker,

2317
01:46:14,372 --> 01:46:17,013
Speaker 2: my relationship with my banker to a certain extent and

2318
01:46:17,652 --> 01:46:21,732
Speaker 2: setting up my last mortgage negotiations, and then I go

2319
01:46:21,933 --> 01:46:24,213
Speaker 2: back to the bank. Not only has that branch disappeared,

2320
01:46:24,893 --> 01:46:27,893
Speaker 2: but that guy no longer works at the bank, And

2321
01:46:28,093 --> 01:46:30,893
Speaker 2: so you know that relationship is whatever for what was

2322
01:46:30,973 --> 01:46:31,812
Speaker 2: worth has gone now.

2323
01:46:33,853 --> 01:46:35,572
Speaker 12: But that it can happen to a broker as well,

2324
01:46:35,612 --> 01:46:36,013
Speaker 12: am I right?

2325
01:46:36,572 --> 01:46:41,333
Speaker 3: Yeah that's true, yeah, yeah, but it can happen to anyone. Yeah,

2326
01:46:41,492 --> 01:46:43,692
Speaker 3: So what you said, when you say you're a banker,

2327
01:46:43,772 --> 01:46:46,652
Speaker 3: what is your actual role? Out are you customer focus

2328
01:46:46,772 --> 01:46:49,133
Speaker 3: when it comes to mortgages specifically.

2329
01:46:51,213 --> 01:46:55,333
Speaker 18: Non mortgage specifically I do with business banking as well

2330
01:46:55,692 --> 01:47:00,092
Speaker 18: my previous specifically doing hom loans and stuff and everything.

2331
01:47:01,452 --> 01:47:03,973
Speaker 18: But if I start talking, I'll go into the integrity

2332
01:47:04,093 --> 01:47:06,852
Speaker 18: and all the bank jargons, which I don't want to

2333
01:47:06,933 --> 01:47:09,572
Speaker 18: confuse you guys, and and try away a lot of

2334
01:47:09,652 --> 01:47:11,972
Speaker 18: you guys. But anyway, so in my experience, what I've

2335
01:47:11,973 --> 01:47:14,732
Speaker 18: seen is I have customers who are said, work etail,

2336
01:47:14,772 --> 01:47:17,652
Speaker 18: should we should rather come to you and nowadays yes,

2337
01:47:17,732 --> 01:47:19,732
Speaker 18: back au on the back where those days where as

2338
01:47:19,812 --> 01:47:22,173
Speaker 18: Andrew mentioned, the previous callers say the bank used to

2339
01:47:22,532 --> 01:47:25,132
Speaker 18: do better deals with if you're coming through a broker,

2340
01:47:25,213 --> 01:47:27,892
Speaker 18: but those days are gone. We tend and give all

2341
01:47:27,933 --> 01:47:31,333
Speaker 18: the deals rates to the customers with cashbacks and everything,

2342
01:47:31,372 --> 01:47:33,932
Speaker 18: and look after the customers rather than going to the broker.

2343
01:47:34,013 --> 01:47:36,932
Speaker 18: And broker is in holiday and you may not hear

2344
01:47:37,013 --> 01:47:39,692
Speaker 18: from the broker for another fifteen days. And because we

2345
01:47:39,732 --> 01:47:40,692
Speaker 18: all are humans, right, we.

2346
01:47:40,772 --> 01:47:43,093
Speaker 6: Have our limitations, and broker is right to go on leave,

2347
01:47:43,173 --> 01:47:44,612
Speaker 6: but there is no backup.

2348
01:47:44,732 --> 01:47:47,372
Speaker 18: Like Andrew has fort team of forty, you're left on

2349
01:47:47,492 --> 01:47:49,972
Speaker 18: your own. But if you're dealing with the bank. Let's

2350
01:47:49,973 --> 01:47:51,812
Speaker 18: say the banker is on a leave, there are all

2351
01:47:51,893 --> 01:47:54,932
Speaker 18: the daily notes and all the all the other documents

2352
01:47:54,933 --> 01:47:56,732
Speaker 18: which are document under the your name.

2353
01:47:56,692 --> 01:47:57,213
Speaker 13: And so other.

2354
01:47:57,333 --> 01:48:00,012
Speaker 18: If other banker picks up, he or she knows exactly

2355
01:48:00,093 --> 01:48:02,732
Speaker 18: what your history is rather than asking for details, Yes,

2356
01:48:02,812 --> 01:48:05,412
Speaker 18: you might have to provide some details, but the majority

2357
01:48:05,412 --> 01:48:07,492
Speaker 18: of the details are there. Like let's say you're in

2358
01:48:07,812 --> 01:48:09,732
Speaker 18: income go, then you might not have to provide your

2359
01:48:09,772 --> 01:48:13,293
Speaker 18: bank statements for your income, your expenses because everything is

2360
01:48:13,372 --> 01:48:15,732
Speaker 18: with the bank. I think I can see everything, so

2361
01:48:15,812 --> 01:48:18,172
Speaker 18: that makes a lot of your mighty easier.

2362
01:48:18,532 --> 01:48:18,732
Speaker 13: Yeah.

2363
01:48:19,173 --> 01:48:21,372
Speaker 2: And now when a broker comes in as opposed to

2364
01:48:21,412 --> 01:48:25,253
Speaker 2: a person negotiating their own mortgage, what do you feel?

2365
01:48:25,612 --> 01:48:27,772
Speaker 2: Do you roll your eyes at the broker? Is that

2366
01:48:27,853 --> 01:48:28,293
Speaker 2: what you say?

2367
01:48:30,692 --> 01:48:31,732
Speaker 8: Well, we do, I don't.

2368
01:48:31,772 --> 01:48:33,333
Speaker 18: I won't say that we hate brokers.

2369
01:48:33,412 --> 01:48:35,052
Speaker 20: But if a customer banks will.

2370
01:48:34,933 --> 01:48:41,532
Speaker 18: Come, it's better says send a customer would get from

2371
01:48:41,572 --> 01:48:41,932
Speaker 18: the booker.

2372
01:48:42,013 --> 01:48:43,572
Speaker 11: So why do you want to go to a brooker?

2373
01:48:43,812 --> 01:48:45,293
Speaker 2: Yeah, well, thank you so much for your call.

2374
01:48:45,412 --> 01:48:47,132
Speaker 3: Al, I don't think our lives brokers.

2375
01:48:48,253 --> 01:48:50,253
Speaker 2: I think we've heard both sides of the story now,

2376
01:48:50,333 --> 01:48:53,772
Speaker 2: so people that are listening can make up their own decision.

2377
01:48:53,812 --> 01:48:55,173
Speaker 2: But we're going to move on from this, and we're

2378
01:48:55,173 --> 01:48:59,012
Speaker 2: going to move on to something I'm extremely excited about,

2379
01:48:59,093 --> 01:49:04,652
Speaker 2: the first Test against England starting tomorrow at Hagleyoval and

2380
01:49:04,732 --> 01:49:06,372
Speaker 2: christ Church. And we're going to talk to a man

2381
01:49:06,492 --> 01:49:09,732
Speaker 2: there's very familiar with that particular area of the world,

2382
01:49:10,093 --> 01:49:14,253
Speaker 2: the great Matt Henry, who's leading the attack for the

2383
01:49:14,612 --> 01:49:16,812
Speaker 2: black Caps tomorrow. We're going to have him for a

2384
01:49:16,893 --> 01:49:18,412
Speaker 2: bit of a chat coming up next.

2385
01:49:18,572 --> 01:49:19,572
Speaker 3: It is thirteen to four.

2386
01:49:20,372 --> 01:49:23,692
Speaker 1: The big stories, the big issues, the big trends and

2387
01:49:24,093 --> 01:49:27,772
Speaker 1: everything in between. Matt Heath and Tyler Adams afternoons you

2388
01:49:27,973 --> 01:49:31,532
Speaker 1: for twenty twenty four us talk, said said b It is.

2389
01:49:31,612 --> 01:49:35,293
Speaker 3: Ten to four. Very exciting. The black Caps versus England.

2390
01:49:35,372 --> 01:49:39,012
Speaker 3: The first Test of three commences tomorrow morning eleven am

2391
01:49:39,053 --> 01:49:42,572
Speaker 3: at Hagley Park. Matt Henry black camp of course to

2392
01:49:42,692 --> 01:49:45,012
Speaker 3: lead the New Zealand attack and joins us on the phone.

2393
01:49:45,053 --> 01:49:48,532
Speaker 3: Now Ghetto, Matt's okay, Hey doing very.

2394
01:49:48,452 --> 01:49:51,812
Speaker 2: Good, Thank you great New Zealand. Is the ground staff

2395
01:49:51,853 --> 01:49:53,492
Speaker 2: down Hagley Oval? How's the wicket looking?

2396
01:49:55,253 --> 01:49:57,053
Speaker 6: Yeah? I should have actually had a lot today, but

2397
01:49:57,093 --> 01:50:00,133
Speaker 6: I'm hoping it's green.

2398
01:50:00,732 --> 01:50:05,173
Speaker 2: Yeah, yeah, that would help you. Amazing what happened in India. Congratulations.

2399
01:50:05,452 --> 01:50:08,012
Speaker 2: What does that mean in terms of their team's confidence

2400
01:50:08,372 --> 01:50:10,333
Speaker 2: coming into the series against England.

2401
01:50:11,213 --> 01:50:12,652
Speaker 6: Yeah, it was an amazing series.

2402
01:50:12,692 --> 01:50:12,972
Speaker 4: I think.

2403
01:50:13,973 --> 01:50:17,253
Speaker 6: I think there's a credit and ability to a debt.

2404
01:50:18,612 --> 01:50:21,892
Speaker 6: I think that's probably coming back home and playing cricket

2405
01:50:21,933 --> 01:50:24,093
Speaker 6: where we've played a lot of cricket. We'll take a

2406
01:50:24,133 --> 01:50:26,972
Speaker 6: lot of confidence into that. So yeah, great series. Will

2407
01:50:27,013 --> 01:50:30,692
Speaker 6: be very different challenge this time, but yeah, I think

2408
01:50:30,732 --> 01:50:32,972
Speaker 6: it's going to be We'll take a lot of confidence.

2409
01:50:33,053 --> 01:50:35,293
Speaker 3: Yeah, we'll make your an incredible form. At the moment,

2410
01:50:35,333 --> 01:50:37,892
Speaker 3: you must be fizzing to get into these guys tomorrow.

2411
01:50:39,053 --> 01:50:40,973
Speaker 6: Yeah, No, it should be good. I'm looking forward to it.

2412
01:50:41,372 --> 01:50:45,412
Speaker 6: I think everyone's enjoying. I suppose the pazzi cricket around

2413
01:50:45,492 --> 01:50:48,572
Speaker 6: at the moment as well. So it's excited to be

2414
01:50:48,692 --> 01:50:51,973
Speaker 6: home here at Hagley and I think, yeah, there's a

2415
01:50:51,973 --> 01:50:52,572
Speaker 6: good buzz around.

2416
01:50:52,572 --> 01:50:55,052
Speaker 2: I think looking forward to the series, how's the English

2417
01:50:55,093 --> 01:50:57,652
Speaker 2: team looking and what's it like going up against Bears

2418
01:50:57,692 --> 01:50:58,293
Speaker 2: and Bears ball.

2419
01:50:59,692 --> 01:50:59,892
Speaker 13: Yeah.

2420
01:50:59,973 --> 01:51:02,412
Speaker 6: No, they're a strong outfit and obviously they are a

2421
01:51:02,492 --> 01:51:04,652
Speaker 6: team that likes to take the game on, so I'm

2422
01:51:04,692 --> 01:51:06,973
Speaker 6: sure they a lot to do that, and I mean

2423
01:51:07,612 --> 01:51:09,612
Speaker 6: the positive thing is always going to be exciting cricket.

2424
01:51:09,772 --> 01:51:12,372
Speaker 6: So no, we're looking forward to the charge.

2425
01:51:12,772 --> 01:51:16,893
Speaker 3: Yeah, and what's happening with the keeper situation. Matt was

2426
01:51:16,933 --> 01:51:18,452
Speaker 3: the keeper, Yeah, the Wickie keeper.

2427
01:51:18,333 --> 01:51:21,372
Speaker 2: The English English keeper. There's been some some movement there.

2428
01:51:22,333 --> 01:51:25,892
Speaker 6: Oh yes, yeah, yeah, So obviously with Bessel coming in, Yeah,

2429
01:51:25,933 --> 01:51:28,572
Speaker 6: well he's obviously a destructive player in the white ball

2430
01:51:28,652 --> 01:51:32,052
Speaker 6: and he'll get an opportunity in terms of the test stuff,

2431
01:51:32,093 --> 01:51:34,013
Speaker 6: so you know, I'm sure he'll be looking for to

2432
01:51:34,532 --> 01:51:35,532
Speaker 6: getting into Test cricket.

2433
01:51:35,612 --> 01:51:37,612
Speaker 2: How much research have you done and do you do

2434
01:51:38,173 --> 01:51:40,612
Speaker 2: with each of the batsmen? And when there's a change

2435
01:51:40,652 --> 01:51:42,732
Speaker 2: in the lineup, a different person at number three, how

2436
01:51:42,772 --> 01:51:44,013
Speaker 2: much does that change.

2437
01:51:43,772 --> 01:51:44,173
Speaker 5: What you do?

2438
01:51:45,853 --> 01:51:47,812
Speaker 6: Well, the beauty is was there's so much cricket now

2439
01:51:47,853 --> 01:51:50,452
Speaker 6: in slotted so you obviously can put plans in place,

2440
01:51:50,572 --> 01:51:53,093
Speaker 6: but the key thing is probably the decisions you're making

2441
01:51:53,173 --> 01:51:55,933
Speaker 6: out there and the ability to adapt. So that's the

2442
01:51:55,973 --> 01:51:57,933
Speaker 6: beauty of county cricket. A lot of a lot of

2443
01:51:58,013 --> 01:52:00,932
Speaker 6: us have played county cricket, so you guys have played

2444
01:52:00,973 --> 01:52:03,973
Speaker 6: with him, and I think you do what you can

2445
01:52:04,053 --> 01:52:06,652
Speaker 6: do in the planning sense, but the main thing is

2446
01:52:06,973 --> 01:52:08,973
Speaker 6: you're actually playing the game that's put in and the

2447
01:52:09,053 --> 01:52:13,012
Speaker 6: player as well, so hopefully we can yeah yea through double.

2448
01:52:13,772 --> 01:52:15,732
Speaker 2: So there's a bit of a changing regard of the

2449
01:52:15,853 --> 01:52:19,293
Speaker 2: bowling attack. Now you're now leading it and it's your

2450
01:52:19,372 --> 01:52:22,612
Speaker 2: opportunity to shine in every game. What about the guys

2451
01:52:22,652 --> 01:52:23,253
Speaker 2: backing you up?

2452
01:52:24,893 --> 01:52:27,452
Speaker 6: Well, look, I think Boling group has been strong for

2453
01:52:27,492 --> 01:52:32,133
Speaker 6: a long time now, and it's with him retiring at

2454
01:52:32,173 --> 01:52:33,692
Speaker 6: the end of the series, I think it's just a

2455
01:52:33,772 --> 01:52:36,812
Speaker 6: great series to probably celebrate what's been an amazing career

2456
01:52:36,893 --> 01:52:38,892
Speaker 6: for him, and we've still got some young guys coming

2457
01:52:38,973 --> 01:52:41,692
Speaker 6: and as well be able to get that knowledge from him.

2458
01:52:41,772 --> 01:52:44,973
Speaker 6: And yeah, I think it's shown with Ben Sears and

2459
01:52:45,013 --> 01:52:48,133
Speaker 6: will ow' rock coming in that there's been that that

2460
01:52:48,333 --> 01:52:50,652
Speaker 6: depth and that I suppose that young tint as well,

2461
01:52:50,732 --> 01:52:52,933
Speaker 6: and they've shown on the world stage what they can do.

2462
01:52:53,173 --> 01:52:56,213
Speaker 6: So yeah, just an exciting time to be a fast

2463
01:52:56,253 --> 01:52:57,052
Speaker 6: bowl and you zealing.

2464
01:52:56,933 --> 01:53:00,092
Speaker 3: Really Yeah, Hagley is your home hunting ground, Matt beautiful

2465
01:53:00,133 --> 01:53:02,173
Speaker 3: oval that one. How much of a difference does that

2466
01:53:02,333 --> 01:53:02,692
Speaker 3: make for you?

2467
01:53:04,412 --> 01:53:06,372
Speaker 6: Yeah, I think it's always nice when you play this

2468
01:53:06,572 --> 01:53:08,892
Speaker 6: is your home ground. You play a lot of cricket

2469
01:53:08,933 --> 01:53:13,733
Speaker 6: here with Canterbury and you understand the I suppose the conditions,

2470
01:53:13,812 --> 01:53:16,253
Speaker 6: but I think the way that England play their cricket,

2471
01:53:16,293 --> 01:53:18,572
Speaker 6: I think not not to move the game forward and

2472
01:53:19,053 --> 01:53:21,133
Speaker 6: as offering anything, I'll probably not to come even harder.

2473
01:53:21,213 --> 01:53:23,013
Speaker 6: So it's it's going to be a good challenge and

2474
01:53:23,333 --> 01:53:26,293
Speaker 6: it's always good playing Hackley and I'm sure it's I mean,

2475
01:53:26,372 --> 01:53:28,732
Speaker 6: it sounds like it's a sell out already, and like

2476
01:53:28,812 --> 01:53:31,052
Speaker 6: to say that big buzz around cricket at the moment

2477
01:53:31,532 --> 01:53:33,772
Speaker 6: be awesome, barmy army will be at full round.

2478
01:53:34,372 --> 01:53:37,053
Speaker 2: And does it make a difference sleeping in your own

2479
01:53:37,173 --> 01:53:39,492
Speaker 2: bed and making your own way there, making your own

2480
01:53:39,492 --> 01:53:41,412
Speaker 2: breakfast and heading along to the ground as opposed to

2481
01:53:41,492 --> 01:53:43,053
Speaker 2: you know, being in a hotel overseas.

2482
01:53:44,173 --> 01:53:46,692
Speaker 6: Yeah, it's nice. Don't get to do it too often.

2483
01:53:46,772 --> 01:53:49,253
Speaker 6: But the wind you have that time not home, it

2484
01:53:49,372 --> 01:53:52,532
Speaker 6: is special with your family and I suppose those normal

2485
01:53:52,612 --> 01:53:56,333
Speaker 6: routines is great really, So I always love playing cricket

2486
01:53:56,372 --> 01:53:58,933
Speaker 6: here at Hackley for that reason. You wake up a

2487
01:53:59,013 --> 01:54:00,652
Speaker 6: home and you get to the ground in the morning

2488
01:54:00,732 --> 01:54:03,253
Speaker 6: and there's there's that buzz around, which is great. So yeah,

2489
01:54:03,372 --> 01:54:04,412
Speaker 6: there's always nice to play here.

2490
01:54:04,652 --> 01:54:07,012
Speaker 2: And Matt Henry, I'm a member of the Alternative Commentary

2491
01:54:07,053 --> 01:54:10,133
Speaker 2: collective team, and you know our nickname for you is

2492
01:54:10,213 --> 01:54:13,212
Speaker 2: mister Darcy. Does that do anything for your confidence?

2493
01:54:14,933 --> 01:54:15,253
Speaker 8: Huge?

2494
01:54:15,333 --> 01:54:15,532
Speaker 5: Yeah.

2495
01:54:15,652 --> 01:54:17,893
Speaker 6: I think the day you get a nickname from the

2496
01:54:17,933 --> 01:54:21,092
Speaker 6: ass's quite a special moment. And I think the confidence

2497
01:54:21,173 --> 01:54:23,612
Speaker 6: you get from that means that, I suppose you've been

2498
01:54:23,652 --> 01:54:27,013
Speaker 6: accepted into a pretty special group of men. So yeah, yeah,

2499
01:54:27,053 --> 01:54:27,572
Speaker 6: it doesn't mean.

2500
01:54:27,492 --> 01:54:29,852
Speaker 2: A lot knowing that nine guys think that you're a

2501
01:54:29,893 --> 01:54:32,533
Speaker 2: handsome dude, you know, just as you're steaming in. It's

2502
01:54:32,573 --> 01:54:33,812
Speaker 2: good to have that in you in the back of

2503
01:54:33,853 --> 01:54:34,213
Speaker 2: your mind.

2504
01:54:34,893 --> 01:54:36,493
Speaker 6: I did have to ask my wife, I said, who's

2505
01:54:36,533 --> 01:54:38,493
Speaker 6: mister Darcy? So she had to kind of labor and

2506
01:54:38,573 --> 01:54:39,693
Speaker 6: she's pretty happy with us.

2507
01:54:39,772 --> 01:54:41,053
Speaker 12: So hold on.

2508
01:54:41,173 --> 01:54:41,333
Speaker 18: God.

2509
01:54:41,493 --> 01:54:43,892
Speaker 2: Yeah, and you share that name with Darcy Autograve as well,

2510
01:54:43,933 --> 01:54:46,613
Speaker 2: another great New Zealander. Hey, thanks so much and all

2511
01:54:46,653 --> 01:54:48,772
Speaker 2: the best tomorrow, and we're all rooting for you when

2512
01:54:48,772 --> 01:54:52,413
Speaker 2: we're very excited for the series. So congratulations on your

2513
01:54:52,493 --> 01:54:55,092
Speaker 2: career and your recent run and form and really looking

2514
01:54:55,173 --> 01:54:56,733
Speaker 2: forward to seeing you steam in tomorrow.

2515
01:54:57,812 --> 01:54:58,373
Speaker 8: I appreciate it.

2516
01:54:58,453 --> 01:54:58,653
Speaker 12: Guys.

2517
01:54:58,693 --> 01:55:00,173
Speaker 6: Thanks for enjoy the test.

2518
01:55:00,453 --> 01:55:03,253
Speaker 2: Yeah care we will met Henry Great New Zealander and

2519
01:55:03,533 --> 01:55:07,413
Speaker 2: that coverage of the three test series live and free

2520
01:55:07,453 --> 01:55:10,493
Speaker 2: on iHeartRadio. Search Cricket and my Heart and you'll get

2521
01:55:10,533 --> 01:55:11,613
Speaker 2: the acc commentary.

2522
01:55:12,093 --> 01:55:15,493
Speaker 3: Fantastic. Well, good day today. Really enjoyed the chats covered

2523
01:55:15,493 --> 01:55:17,812
Speaker 3: a lot of ground today, didn't we. Yeah, we certainly did.

2524
01:55:17,853 --> 01:55:19,693
Speaker 2: I can't remember anything that happened, but I'm pretty sure

2525
01:55:19,693 --> 01:55:20,653
Speaker 2: we talked about a lot of stuff.

2526
01:55:20,812 --> 01:55:22,173
Speaker 3: I think I've got to go have a chat to

2527
01:55:22,213 --> 01:55:24,053
Speaker 3: my bank. Is that kind of where we ended up there?

2528
01:55:24,093 --> 01:55:25,852
Speaker 3: I don't know. It got a little bit confusing between

2529
01:55:25,893 --> 01:55:27,173
Speaker 3: brokers and bankers by the end of it.

2530
01:55:27,493 --> 01:55:27,653
Speaker 5: Yeah.

2531
01:55:27,733 --> 01:55:29,892
Speaker 2: Well, if you missed anything like it seems like I did,

2532
01:55:29,973 --> 01:55:33,812
Speaker 2: then The Matt and Tyler Afternoon's podcast is out very soon,

2533
01:55:33,933 --> 01:55:35,812
Speaker 2: so you can listen to it all again for the

2534
01:55:35,853 --> 01:55:39,293
Speaker 2: first time as well if you haven't, and losing my

2535
01:55:39,413 --> 01:55:41,772
Speaker 2: way here and see you later and give them a

2536
01:55:41,812 --> 01:55:42,693
Speaker 2: taste of Kiwi.

2537
01:55:42,533 --> 01:55:44,052
Speaker 3: Beautifully see tomorrow

2538
01:55:59,453 --> 01:56:15,093
Speaker 1: Again that game, Maddie and Tyler readams for more from

2539
01:56:15,173 --> 01:56:18,252
Speaker 1: News Talk set B Listen live on air or online,

2540
01:56:18,413 --> 01:56:20,772
Speaker 1: and keep our shows with you wherever you go with

2541
01:56:20,893 --> 01:56:22,813
Speaker 1: our podcasts on iHeartRadio,