The SME Stream

When the cost of living crisis is driving your day-to-day costs up, putting money in to a Kiwisaver might not seem appealing.
But is it still important to keep the flow of money in to Kiwisaver going? And what do you do when you want to get started investing in an index fund?
Founder and Managing director of Koura wealth Rupert Carlyon joins Tim Beveridge for Smart Money to discuss.
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Moving into a retirement village can offer community, convenience and freedom from maintaining a family home — but the financial arrangement is very different from buying property.
Anthony Harper law firm partner Jenny Baldwin explains occupation right agreements, ongoing fees, capital gains, deferred management fees, exit delays and the potential cost of moving into aged care. Plus, what residents and their families should check before signing anything.
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Instagram's CEO just confirmed what most creators have been feeling for months: the algorithm doesn't care about your likes anymore.
In this episode, I'm breaking down the real ranking factors Instagram is using right now, the six metrics that determine whether your content gets buried or pushed to 100K people, and the exact formula to fix your strategy before your reach tanks any further.
If you've been posting and wondering why nothing's landing the way it used to, this one's going to connect the dots.
We cover:
The metric that now matters more than likes, comments, or saves combined
Why your first second (not three seconds) decides everything
The six ranking factors in order, and how to actually move each one
The content mistakes quietly killing your reach
Tune in and start creating content Instagram actually wants to push.
Ready to start building? Join my Business Masterclass today ⬇️

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It’s a battle of the islands to become New Zealand’s economic engine room.
All eight South Island Chambers of Commerce have launched a joint election manifesto highlighting their $100 billion contribution to the economy.
They’re calling for more investment and productivity with the goal of lifting South Island GDP per capita to $130,000 by 2035.
Representing around 7000 businesses, it’s the first time they’ve all come together to push for political parties to pay closer attention to the south.
Today on The Front Page, Business Canterbury CEO Leeann Watson is with us to explain why the South Island wants to move ahead of the national average, not just keep up, and what it will take to get there.
Follow The Front Page on iHeartRadio, Apple Podcasts, Spotify or wherever you get your podcasts.
You can read more about this and other stories in the New Zealand Herald, online at nzherald.co.nz, or tune in to news bulletins across the NZME network.
Host: Chelsea Daniels
Editor/Producer: Richard Martin
Producer: Jane Yee
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As business owners, you know how hard it is keeping up with your business, let alone the news. Join Wilhelmina O'Keeffe each week as she gives you a rundown of the biggest stories that could impact your business, so you can make informed decisions with expert advice.

This week, Unemployment is up but is the picture as bad as it sounds? Insurance premiums are in the spotlight as the government tries to pinpoint what’s driving costs so high … plus how to juggle all the demands on your business without losing focus.
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