Notes From The Executive

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<p>For our podcast's second birthday I left the studio. I spent two days at the Franchise and Small Business Expo in Auckland and asked nine business owners one question. How are you making it work right now? One accountant says customers are going under. Another says the biggest shock is the first-year tax bill. A founder built an AI board of directors after her team was headhunted. A home staging business now does up to 60 houses a month.</p>
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<p>Featuring Cassandra Cadorin (founder, CanTicket), Catherine Newton (business coach), Craig (director, Drone Boss), Dave Hayward (founder, Europa Creative Partners), Alec (head of growth, Thankyou Payroll), Ashil (accountant, PKF), Jaki (co-founder, Foxx and Filly Home Staging), Tim Waite (leadership coach) and Michelle (accountant, Money Savvy Move).</p>
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<p><strong>What I Asked</strong><br>👉 Can a non-tech business owner build AI agents?<br>👉 What is the most common cause of bad cash flow?<br>👉 Is your first year in business tax free?<br>👉 Why is year two the hardest year in business?<br>👉 Can you build a successful life waking up at 8am?</p>
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<p><strong>Timestamps</strong><br>00:00 Intro<br>04:49 How does an AI board of directors run a business?<br>11:09 Can a non-tech business owner build AI agents?<br>17:29 How do I stop trading hours for dollars?<br>21:59 Why are NZ business owners afraid to be seen?<br>28:47 What is the difference between features and benefits?<br>33:54 How do I protect the first four hours of my day?<br>41:25 What if I could only sell one offer for 12 months?<br>45:54 Why do some businesses grow and others stall?<br>48:22 How much can a drone contractor make?<br>50:04 Why is year two the hardest year in business?<br>55:11 What is hope marketing?<br>57:10 What is the difference between brand building and sales activation?<br>1:00:06 Why does selling on price become a race to the bottom?<br>1:11:56 How do I build an AI business brain in Claude?<br>1:17:36 How can a payroll company run as a social enterprise?<br>1:21:00 What is steward ownership?<br>1:28:04 What causes most cash flow problems?<br>1:33:25 Can AI keep a small business alive?<br>1:36:01 How do I start a home staging business?<br>1:40:24 How do I build loyalty with referral partners?<br>1:42:23 When should I franchise my business?<br>1:46:43 How much does home staging cost in NZ?<br>1:52:42 Why do business owners avoid hard conversations?<br>1:56:19 Do successful people have to wake up at 5am?<br>2:04:15 Is your first year in business tax free?<br>2:04:59 How much should I set aside for tax?<br>2:06:58 When should I shut down a business that is losing money?</p>

What happens to a country that stops making things?
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Alan McDonald is Head of Advocacy at the EMA, New Zealand's largest business association, supporting employers and manufacturers since 1886. A former journalist, he has spent eight years on RMA reform and fronts the EMA's positions on the economy, infrastructure and energy.
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Recorded two days before Stats NZ released June quarter GDP, Alan predicted a rise of 0.1 to 0.2 percent on tape. The number came in at 0.2 percent. Unemployment sits at 5.6 percent, the highest since September 2015.

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What I Asked Alan
What are you expecting from tomorrow's GDP number?
Do you really think the City Rail Link will help Auckland businesses?
Why is unemployment worse in Auckland than anywhere else?
How serious is deindustrialisation in New Zealand?
What industries does New Zealand need to keep?
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Chapters
00:00 Intro
1:44 The GDP call
3:54 Christchurch vs Auckland
6:39 What's struggling right now
7:49 The City Rail Link
16:00 Unemployment at an 11 year high
18:03 Hiring sentiment
21:08 Why stability beats a winner
31:07 The workforce squeeze
44:00 Power prices, gas and hedging
49:17 The $60m cement deal
52:03 What NZ must keep making
56:39 Business confidence
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Follow Alan
https://ema.co.nz
alan.mcdonald@ema.co.nz
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Follow Me
YouTube https://www.youtube.com/@NotesFromTheExecutivePodcast
Spotify https://open.spotify.com/show/4QgZGJdrnfjZ1sEm6MeGcp
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Notes From The Executive is New Zealand's no-BS business podcast for owners of established companies who want to grow faster, protect their margin, and build something worth selling.
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<p>Six New Zealanders used artificial intelligence in a real business. Did any of them actually make money?</p>

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<p>One of them made half a million dollars in eleven weeks with it. The other five explain why most businesses never will.</p>

<p>Stanley Henry fed his whole agency to Claude. Perrin Rowland is Chief Product and Experience Officer at AcademyEx, this show's sponsor, and runs marketing with two and a half people. Marisa Fong built and sold Madison Recruitment. Melissa Clark-Reynolds ONZM ran an insurance company on artificial intelligence in 1998. Greg Cross co-founded Soul Machines. Tim Warren spent $200 on AI tools all of last year.</p>

<p>The sharpest argument in it: the layoffs are not really about artificial intelligence, they are companies that over-hired in the good years using it as the excuse.</p>

<p><strong>What I Asked Them</strong><br>
How do you make half a million dollars in eleven weeks, and what do you feed it first?<br>
If it does ninety percent of the job, what can you still charge for?<br>
Are the layoffs about artificial intelligence or about bad hiring?<br>
Why is New Zealand third to last in the world for trusting it?<br>
How much should a small business spend before it is a waste?</p>

<p><strong>Chapters</strong><br>
0:00 Cold open<br>
0:45 Building the context brain<br>
3:55 What it actually sold<br>
7:16 Why New Zealand is behind<br>
10:13 The industry that just got replaced<br>
12:36 What boards get wrong<br>
16:02 A utility, not a technology<br>
17:43 Why spending is not a strategy<br>
20:17 What has to sit at the centre</p>

<p><strong>Watch The Full Episodes</strong><br>
<a href="https://www.youtube.com/watch?v=KA3uCXU794U">Stanley Henry</a><br>
<a href="https://www.youtube.com/watch?v=k5mC__tw15I">Perrin Rowland</a><br>
<a href="https://www.youtube.com/watch?v=hhE_ZHgW4E4">Marisa Fong</a><br>
<a href="https://www.youtube.com/watch?v=eolgsPKzOfE">Melissa Clark-Reynolds</a><br>
<a href="https://www.youtube.com/watch?v=z-kA_wT0kZw">Greg Cross</a><br>
<a href="https://www.youtube.com/watch?v=3yi9I05YBbw">Tim Warren</a></p>

<p><strong>Follow Me</strong><br>
<a href="https://www.youtube.com/@NotesFromTheExecutivePodcast">YouTube</a><br>
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<p>Notes From The Executive is a New Zealand business podcast for owners who want the conversation nobody else is having.</p>

<p>I wanted to know whether anyone in New Zealand is actually making money with artificial intelligence, so I asked six people using it in a real business. One made $500,000 in eleven weeks. We covered AI for small business, AI adoption in NZ, headcount, and whether the job losses are real. Grab my free list of NZ podcasts to get booked on: <a href="https://pwrfully.com/freepodcasts?utm_source=podcast&utm_medium=shownotes&utm_campaign=freelist">https://pwrfully.com/freepodcasts?utm_source=podcast&utm_medium=shownotes&utm_campaign=freelist</a></p>

New Zealand owes $9.4 billion in overdue tax. 65% of it is small business. Why are business owners their own worst enemy when it comes to IRD?

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Dave Ananth is a tax lawyer and partner at Meridian Partners in Auckland. He spent years inside Inland Revenue on the prosecution team before moving to the other side of the table.

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He's negotiated a tax debt down from $400,000 to $210,000, and settled more than 400 student loan cases for Kiwis living overseas.

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His central point: unpaid GST and PAYE is a cash flow symptom, not a scam. By the time most business owners call him, it's already a six figure problem.

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What I Asked Dave
Is IRD too aggressive, or are NZ business owners genuinely bad with money?
What's the biggest tax debt you've ever negotiated down?
Why do so many people wait until it's a $400,000 problem?
Can IRD really stop you at the airport over a student loan?
If you were in charge of IRD, what would you change?

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Chapters
00:00 Intro
02:32 Why do NZ business owners owe $9.4 billion in tax?
06:37 What are the penalties for not paying PAYE in NZ?
09:16 Why don't business owners talk to their accountant before it's too late?
14:50 How much tax debt can force a business into liquidation?
19:33 Can you negotiate a lower settlement with IRD?
23:57 Why does IRD listen to some people and not others?
25:36 How does IRD handle cryptocurrency tax audits?
37:22 Who gets prosecuted by IRD and who gets a payment plan?
38:32 Why is student loan interest going up for Kiwis overseas?
41:23 How do you negotiate a student loan settlement with IRD?
42:10 Can IRD stop you at the airport for unpaid debt?
49:17 Is New Zealand its own worst enemy when it comes to tax debt?
50:04 How to fix New Zealand's tax debt system
52:42 Is IRD using third-party debt collectors overseas?
53:40 Dave Ananth: how to contact a tax lawyer for IRD debt

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Follow Dave
https://mplaw.nz/about-meridian-partners/dave-ananth/

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Follow Me
YouTube https://www.youtube.com/@NotesFromTheExecutivePodcast
Spotify https://open.spotify.com/show/4QgZGJdrnfjZ1sEm6MeGcp
Apple https://podcasts.apple.com/nz/podcast/notes-from-the-executive-podcast/id1586953812
Instagram https://www.instagram.com/minaamso/
LinkedIn https://www.linkedin.com/in/minaamso

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Notes From The Executive is New Zealand's business podcast for owners who want the real numbers, not the theory.

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New Zealand owes $9.4 billion in overdue tax, 65% of it small business. If nz tax debt, ird negotiation, student loan overseas nz or small business tax nz is on your mind, this one's worth the 55 minutes. Grab my free list of NZ podcasts to get booked on: https://pwrfully.com/freepodcasts?utm_source=podcast&utm_medium=shownotes&utm_campaign=freelist

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New Zealand spends about as much on petrol and diesel as it earns exporting concentrated milk. Mike Casey says that money leaves the country, and most of it does not have to.
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He runs a cherry orchard in Central Otago on 21 electric machines, and a $50,000 diesel bill became a $25,000 revenue stream before financing costs. I asked him what the payback actually looks like machine by machine, what it cost to get there, and what a business owner with a leased warehouse and no roof access is supposed to do instead.
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What I Asked Mike
👉 How much money does New Zealand lose every year buying fuel from offshore?
👉 What did it actually cost to electrify 21 machines?
👉 What is the real payback period, machine by machine?
👉 What can you do if you lease your building and cannot touch the roof?
👉 Who should not do this?
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Timestamps
00:00 Intro
02:08 how does a business get paid for its power
09:49 what does it cost to electrify 21 machines
11:46 which machines save the most money
17:59 why stay on the grid if you generate your own power
20:01 how do solar unit economics compare to diesel
22:26 what is the real payback on solar and batteries
24:36 how do I get a bank to finance solar
26:08 what can I do if I lease my building
27:40 who should not electrify
54:22 how much money does a nine hectare orchard make
58:02 how much does New Zealand spend on foreign fuel
1:03:45 why can't small businesses get finance for solar
1:07:31 why is New Zealand behind Australia on rooftop solar
1:12:44 what would fix this for the whole country
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Mike Casey is chief executive of Rewiring Aotearoa and co-owner of Forest Lodge Orchard at Mt Pisa, between Cromwell and Wanaka. He co-founded GradConnection, an Australian student job board sold to SEEK in 2019, then moved home and planted 9,300 cherry trees with his wife Rebecca and business partners Euan and Rachel White.
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Follow Mike Casey
Rewiring Aotearoa https://www.rewiring.nz
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Follow Me
Mina on YouTube https://www.youtube.com/@NotesFromTheExecutivePodcast
Mina on Spotify https://open.spotify.com/show/4QgZGJdrnfjZ1sEm6MeGcp
Mina on Apple Podcasts https://podcasts.apple.com/nz/podcast/notes-from-the-executive-podcast/id1586953812
Mina on Instagram https://www.instagram.com/minaamso/
Mina on LinkedIn https://www.linkedin.com/in/minaamso

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Notes From The Executive is New Zealand's no-BS business and entrepreneurship podcast for owners of established companies who want to grow faster, protect their margin, and build something worth selling.