Episoder
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Today it’s about buying your first home, and your next home– my guest today followed, or is following, a really simple strategy: When it's down, it’s time to step it up.
Read more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.co.nz
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Disclaimer: Please act independently from any content provided in these...
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If you've reached the midpoint of your investment journey , or thereabouts, you know – it’s about risk management more than just number go up. Read more.
A special thank you to my guest, Professor Anananish Chadhuri – Lecturer in experimental and behavioural economics at the University of Auckland.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
______________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
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Manglende episoder?
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When you come from nothing, the only sure-fire way to catch up to where you need to be, is to work harder than everyone else, and use leverage. If you can use other people’s money, with permission of course, and you make some correct assumptions about the future, you might be able build more, with less. Whatever the outcome, it’s more with leverage. Read more.
Watch YouTube Version.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Sign up to the fortnightly newsletter!
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I may receive a financial benefit if you click on these links.
The Bitcoin Adviser: Talk to me about using Bitcoin as an intergenerational wealth transfer vehicle.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial...
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Today, I’m grateful to be speaking with Ian Woolford, the head of money and cash at the Reserve Bank of NZ.
Central Bank Digital Currency, branded as 'digital cash' by the RBNZ, has the potential to give the banking scene the boot up the backside we desperately need. One step further, trillions of dollars of assets migrating into the digital ecosystem (which is what CBDC's help facilitate) will usher in the most significant changes to wealth we've EVER seen.
Concerns exist, absolutely, especially over the long term.
A responsible and trustworthy RBNZ is the at the base-layer of our financial system. CBDC's have the potential to dramatically increase the power they hold. Our trust in them must therefore increase over time.
Read more
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
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Easy...
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We’re so optimised for facts, that we’ve forgotten about meaning. The inability to hold a contrarian view may blindness, or extremist views like believing in a flat earth, or that you can trust the government!
Anyway, will central bank digital currencies destroy your retirement plan? The answers not 'no'...
Read more.
Check out research paper here.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
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Easy Crypto
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Today, I’m talking with fellow financial adviser and CEO of Guardian Smith Mortgages, and co-host of the Keep The Change podcast - Mikey Smith. We’re talking about money, how property wealth is actually created, and how central banks of the world are on a mission further digitise the money we use. Read more
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15...
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Lettuce hands need not apply. There's no need to quibble about the exact length of a property cycle. What's relevant, is that the property cycle is slower than other asset classes. This affords the everyday investor an opportunity to jump on board at more optimal times than others. Should you factor this into your decisions when buying or selling property?
Read more.
Today I’m talking with Kieran Trass who is the author, and perfecter, of what could arguably be called the property owners bible.
His book, 'Grow Richer with the Property Cycle,' concentrates his expertise into a guide that every first home buyer, investor, or upgrader should reference regularly.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
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Property development can take many forms, such as subdivisions, renovations, and speculative building. While I have much to learn in this space, I invite you to join me on this journey and starting by checking out this conversation John Kenel. Read more.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these...
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A cynical take on the financial services industry is understandable. There's nothing like an obvious financial benefit in the form of a commission or fee based on volume to put into question their motivation. Read more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because...
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Paradoxically, the pursuit of pleasure or chasing comfort can itself can provide a type of meaning, though deep down, we know we're not meant for perpetual ease. Investing, even when not strictly necessary, can be about creating a meaningful struggle, and finding purpose by placing your resource at risk. On the other hand, too much action without a chance of ever ‘arriving’ is equally dangerous.
Read more.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
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Today I’m speaking with the one and only Ralph Stewart. Ralph is the Founder and Managing Director of Lifetime Retirement Income, a business with over $1b in funds under management. He’s a former CEO of AXA Insurance and the Accident Compensation Corporation (ACC). Ralph’s a smart cookie, and he’s on a mission trying to free the equity-rich cash poor prisoners out there.
Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
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I know that I can’t predict the future, but I can see something coming to how our money works. A lot of people can. The signs are getting pretty obvious - there are significant changes afoot which may affect how, and if, you can access the future wealth you're building up today
This idea may be confronting, but at some stage, a financial authority may want more of a say in how you spend your money. If that idea bothers you, then I’d invite you to pay attention to today’s episode. Read more
Check out @cjkonstantinos on X and on YouTube for more.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
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The recent drop in the official cash rate (OCR) by 0.25% has sparked a flurry of speculation about the future of the property market. Those hanging on for dear life are desperate for good news and recency bias is at work here - many believe lower interest rates signal a return to the boom times. However high on hopium property hodlers are, reality is a bit more nuanced. Read more
Check out the Nolan Matthias YouTube channel
______________________
Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence.
Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
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www.nzeverydayinvestor.com
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Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
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It’s not about the tools; it’s about the person using them. You’re the tool. What’s the point of obsessing over the best investments if you can’t handle it when things go wrong? Read more.
Reach out to Hayden Brown.
Sign up to the newsletter!
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Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.
Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
YouTube
Instagram
TikTok: @theeverydayinvestor
www.nzeverydayinvestor.com
Instagram
YouTube
Darcy Ungaro
LinkedIn
Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no...
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As usual, there are only two types of people in the world.
1 – Those who blindly trust governments and most centralised systems: They find it easy to overlook the flaws in currency manipulated by interest rates and new supply injections from a centralised authorities, like government and central banks.
2 – The ‘weirdos’ who ‘think differently’: They understand the importance of money created by the people, for the people. Read more.
SIGN UP TO THE BRAND NEW, FREE ONLINE COURSE / Crypto 101: Crypto With Confidence
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Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.
Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
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TikTok: @theeverydayinvestor
www.nzeverydayinvestor.com
Instagram
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Darcy Ungaro
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Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months...
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I've observed many different drivers for wealth: some are running from poverty, others are driven by greed, seeking comfort, or fulfilling a purpose. "Some dance to remember, some dance to forget."
The reasons we think the way we do, and the lives we end up living, can be a bit of a mystery. But the reality that our headspace affects our world isn't anything new.
Read more.
Check out Hayden Brown here.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
______________________
Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.
Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
Get Social
Sign up to the newsletter!
YouTube
Instagram
TikTok: @theeverydayinvestor
www.nzeverydayinvestor.com
Instagram
YouTube
Darcy Ungaro
LinkedIn
Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act...
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The New Zealand government invests through the NZ Super Fund to ensure it can maintain Superannuation payments over the long term. By using a growth style fund consisting of 80% growth assets, and 20% income assets, they aim to grow a pot of money as large as they can to assist with the governments future obligations. Despite debates about eligibility age of government super, income-testing, contribution pauses, and investment strategies, the NZ Super Fund has been performing well since inception, and so I wanted to learn more. I also wanted to know if they would be the first sovereign wealth fund to acquire Bitcoin. Read more
Learn more about the NZ Super Fund
______________________
Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.
Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
YouTube
Instagram
TikTok: @theeverydayinvestor
www.nzeverydayinvestor.com
Instagram
YouTube
Darcy Ungaro
LinkedIn
Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
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Today I’m talking with Scott O’Neill and Dylan Menzies from Rethink Investing. Direct commercial property isn’t a common asset type in many everyday investors portfolio, but for a few reasons as we covered today, I think perhaps it will be in the future. Learn more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Sign up to the newsletter!
______________________
Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.
Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
Get Social
YouTube
Instagram
TikTok: @theeverydayinvestor
www.nzeverydayinvestor.com
Instagram
YouTube
Darcy Ungaro
LinkedIn
Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it's not
-
When you're trading money for investments, there are many factors that determine the level of resource you'll be able to draw out. The value of your currency right now, and later on, is one of the biggies. Today, I have Roger Kerr from Barrington Treasury with me to discuss some current events that provide a handy launchpad for deeper understanding.
Sign up to the newsletter!
______________________
Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.
Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
YouTube
Instagram
TikTok: @theeverydayinvestor
www.nzeverydayinvestor.com
Instagram
YouTube
Darcy Ungaro
LinkedIn
Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: Sign up, and get a $15 credit.
Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting...
-
For some, consistent investing through a retirement fund or buying shares directly is easy. For many more, there's a bit of work involved in mustering up the motivation to start. As someone who hasn't likely taken a straight path there, I'm fairly confident that anyone can invest, and most investment tools will get the job done. What separates those who play with tools from those who actually build, is looking at the plans. It's the strategy that makes everyday investors succeed. Read more.
Special thanks to Brian Henry, from Always Ethical KiwiSaver
______________________
Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.
Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
YouTube
Instagram
TikTok: @theeverydayinvestor
www.nzeverydayinvestor.com
Instagram
YouTube
Darcy Ungaro
LinkedIn
Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
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