June 28, 2026 • 41 mins
With Property becoming less of the golden-goose egg we've made it out to be, people are focusing more on how else they can be financially stable - and with that stability, comes being disciplined with your money - and keeping your spending affairs in order.
But how can we do that with loyalty programmes encouraging us to save? and mid-year sales going around?
How do we keep our eyes on the long-term goal, and stay on track with our savings?
Where should we even start, if we're so far behind?
Author of Money Matters, Finance Specialist and Mentor Amanda Morall - joins the Weekend Collective to help out.
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Speaker 1 (00:05):
You're listening to the Weekend Collective podcast from news Talks
at Bay.
Speaker 2 (01:02):
Yes, welcome back to the We Can't Collective. You might
have not stuff got a bit of a pong chan
for I usually just said in my producer, just give
me some retro rock with a bit of energy, And
every producer I've worked with it really just that's been
enough of led Zeppelin, there, bit of ac DC, Motorhead whatever.
It's not that I listened to it in my own time.
In fact, I thought that this particular thing we often
say to our guests, would you like to choose a tune?
(01:25):
And I thought, actually this one was the choice of
my guest John Vatter and duston just a moment. But
I think she approves anyway. This is smart money. And
as you know, we love your calls. I weight one
hundred eighty ten eighty. And it's sort of a not
a disclaimer, but a qualification I add to when I
say we'd love to hear from you, is, you know,
if your first time listener, I mean if your longtime listener,
(01:46):
you know, want to be your first time caller. The
thing is, and it's in fact, in fact, it was
advice I got ages ago from Tim Dower, which was
just about hosting as well, and he just said, remember
you don't have to have that. You're not having the
final word. You just contributed into the conversation. So if
you want to call us and I eight one hundred
eighty ten and eighty, we're not expecting you to actually
(02:07):
solve the meaning of you know, give us the meaning
of life. We just love you to join the conversation
and give us your reckons. So yeah, eight hundred and
eighty ten eighty in this hour, of course, it's smart money.
And before I introduced my guest, who I think probably
is a Led Zeppelin fan, but will aceitate that, ascertain
that as we go into the conversation. So with I've
(02:30):
noticed with this hour with money, our conversations have evolved.
But with property becoming less of the golden goose that
laid the golden egg that we've made it out to be,
and people are talking about, you know, how how else
we can be financially stable and all that and being
disciplined with your money and keeping your spending affairs in order.
And I've seen it. There was a story so recently
(02:52):
about loyalty schemes and how you know they sort of
can potentially cost your money, and I'm becoming increasingly I'm
going to say superstitious, because my fears have not founded
on anything that's particularly concrete in fact. But I'll tell
you something that I'm doing now, and it's just because
(03:13):
I don't I don't trust the online experience not to
try and screw more money out of me once I've
searched for something. So, for instance, when I search for flights,
I don't log in. I don't log and I don't
want them to know it's tim beverage. I just do
it incognito because I just want to know what flights
(03:34):
are available, because I have the superstition that once they
work out that I want to travel to christ Church,
all of a sudden, it's like, oh, sorry, those flights
have gone, and they know that I'm keen, so they'll
squeez an extra forty or fifty bucks. I should probably
really ask the people who run the airline, because I
probably have access to that. But I am SUPERSTI I
am a little bit not trusting of Loughty programs so
(03:56):
much because I just think they have a way of
you know, it's called dynamic pricing, and I don't know
how it works anyway, But also just the question of
whether you are actually looking to fall for every deal
that has presented your way because you're a member of
a Lorty program and a sale comes your way. For instance,
(04:17):
I was looking and my guest is going, when the
hell are you going to introduce me? But anyway, I
was looking at on the Bow's website and I saw
a deal off for some bows. They were what they
call they're not retreads, they don't call them that. I
call them retreads, but they're something where they've had to
they've had something to return for warranty, and they fixed
it up and they sell it and it was really cheap.
(04:38):
And I found myself almost buying a pair of Bose
headphones that I didn't need because I thought, oh my god,
look at the sale. So are you a sucker for
a sale as well? And how do you keep your
financial discipline when the thing that will suck money out
of you quicker than you know is falling for that bargain,
for that thing that you didn't really need. So give
(04:58):
us a call one hundred eighty ten and eighty anyway,
joining us to discuss this. She is author of money matters.
She's a finance specialist and mentor and her name is
Amana Morale and she's with me now from her lovely
looking house where she's moved a little bit further away
from the city. Amanda, how are you?
Speaker 3 (05:18):
It ain't good?
Speaker 4 (05:18):
Ay?
Speaker 3 (05:19):
Who says it isn't about real estate anymore?
Speaker 2 (05:21):
Tim?
Speaker 5 (05:23):
Oh?
Speaker 2 (05:24):
Hot? Take you mean your new house.
Speaker 3 (05:28):
I'm joking. I'm joking. I mean you can't avoid real
estate chart in New Zella. Not quite yet.
Speaker 2 (05:33):
Well, I don't know. I even found that with this show.
There's a certain energy that has over the years I've
managed to observe with the enthusiasm with which people will
dive into a topic. And there's definitely quite a different
conversation people want to have about real estate now, and
(05:53):
it's not so much about marketing and the market and investing.
And I find that conversely, the conversations we're having on
Smart Money, there's a whole lot more energy and a
much wider range of things that people dive into.
Speaker 3 (06:06):
That's a that's a healthy thing. So I'm glad to
hear that, isn't it.
Speaker 2 (06:09):
Although if you could lebridge your everything, you've got to
make a fortune and property that you'd consider that to
be healthy if you could make that fortune.
Speaker 3 (06:18):
But I think that formula worked very well in the past,
but I would put a lot of doubt on whether
that's going to work going forward. So I think people
have some healthy skepticism and are re evaluating that that
whole putting your eggs in the property basket thing. So
it's good to hear that your audience is also sort
of cooled down, you know, cooled on it all the.
Speaker 2 (06:38):
Jets, cool your jets, big boy, as they say, yeah,
we'll go. Are you a sucker for a style?
Speaker 3 (06:45):
You know what? No, because I'm just not. I think
I've been living in New Zealand. I think I've said
before about twenty years and one of coming from Canada.
One of the things that like horrified me when I
left Canada I was the emphasis on consumerism. I was
just obnoxious. And so I'm not an inherent consumer skeptical
about sales. They don't fall for sales. But having said that,
(07:08):
I know plenty of people do and they're very cells driven.
And you know, I think if you're discerning about certain
things and actually need it, not saying a sale isn't
worth pulling the trigger for, but it's not something that
I personally have tended to fall for because I just
feel like I have this sort of overlay on my
perspective that there's just too much stuff, and having moved
(07:29):
recently too, I was like, too much stuff. Time to
you know, peer it down.
Speaker 2 (07:34):
Actually, we had a Stephanie Powell on our parent Squad.
We're talking about just kids and money, and she was
just it naturally sort of morphed into adult behavior as well,
and she was talking about in terms of sales, that
if she's in a moor and there's something for sale
that she finds, you know, appealing, she will still force
(07:54):
us out to go home, and if she still wants it,
then she'll go and buy it, which is actually pretty disciplined.
Speaker 3 (08:01):
It's quite a tried and true mouth of the twenty
four hours sort of cool down period. I highly recommend
that too, because a lot of purchases are made at
the heat, in the heat of the moment, and you
can say that for food too as well. That's why
I always said, you know, don't go shopping after work
when you're hungry. You'll you'll find yourself having purchased a
whole bunch of things that you didn't actually need in
(08:22):
extra calories, so that that philosophy and discipline applies to
you know, the shopping malls and also online shopping too.
Online shopping, I think the bigger has the biggest hazard
there is, like drinking and shopping because for a lot
of horror stories there.
Speaker 2 (08:40):
Because you're at home and you're on the you know,
having a nice relaxing of an evening and you've had
a glass of red or two and all of a
sudden you got is lowered and you see that sell
thing and you're like, ah, hey, job done.
Speaker 5 (08:55):
No.
Speaker 3 (08:55):
I know of one individual's wife has a closet full
of things she hasn't even opened because she I mean,
it can become an addictive behavior for some people. So
so you have to be cautious. But you know, nothing,
it's a good sale, for example, for something you need
to do, like if you have to do some travel
or you're planning a holiday and you see a really
great deal, great, and it coincides with the times that
(09:18):
you need to go. But yeah, I think as a
matter of course, should be worry about a lot of
sales price items. And yeah, so I was I was
kind of looking at some of these, and I think
we're going to get into it later, these loyalty programs
like you mentioned earlier as well, and this was looking
around at some comparisons to what you could get outside
(09:38):
of this loyalty program as a redemption, and then you
know there was a thirty to forty percent difference, so
you have to be really, what's that. So it's just
an example. So I was looking at because I do
need a new toaster, so you know, I thought we'll
look at the Airpoint store, for example, to see what
(10:02):
the redemption is on that toaster and what the item
might be if A shopped around, and I'd be far
better off, you know, buying it just on my own
looking for a really good deal, rather than you know,
spending my ear dollars or airpoints on on the local shop.
So I'm just using it as one example where you
need to just you know, do your research, shop around
(10:22):
and look for a good deal for things that you
actually need. And you know, there's so much stuff and
we you know, the psychology and money I've said over
and over again is such a place into personal finance
in such a big way. You really have to understand
and know yourself and your behaviors to get control over
your position and the people who seem to have the
(10:43):
biggest issues when it comes to personal finances lack of
control and also just the lack of understanding about what
they're doing in general. But it can be really.
Speaker 2 (10:56):
I'm aware that I try and generally go with what
the facts are, right, but I am so I do
have a is it a superstition? I have a suspicion.
What did you make of my You know, if I'm
looking for flights, I log off, I make sure I'm
on incognito before I go look at it any Zealand
or wherever, because I just I don't mean I don't
(11:16):
trust them, but I just but I obviously don't.
Speaker 3 (11:21):
No, you're not the first person to say that too.
And they do recommend if you go to you know,
some how to buy the best stills on what day,
they do recommend you go incognito because sometimes you could
look at the flight price and then go back and
even in the same browsing session, it's shot up a
little bit, and so the algorithms can kick in. So
I wouldn't be, you know, calling yourself paranoid when you're
(11:45):
when you're doing that. I mean, there's so much information
about us these days that we're we don't hold the
power the computers do.
Speaker 2 (11:55):
And well, that's the thing because when you and this
is weird. The question of loyalty programs sort of crosses
crosses the aisle to sort of and be part of
the same conversation, doesn't it, Because when you part of
a loyalty program, they know exactly what you're buying, when, where,
And I don't know, I'm just I'm a bit because
(12:15):
you get given the special deal. So for instance, you
got a new world or will worse or countdown I
don't know if they're still called countdown anywhere, and they
will have specific targeted pricing if you are a member
of this particular club. And I don't know what's your
take on those loyalty programs because you, on the face
of it, they look like you have to belong and
(12:37):
therefore you save money, but you're trading your data, all
your personal information.
Speaker 3 (12:44):
Well, I think the daeds of privacy are long gone,
so I went really fault necessarily these loyalty programs and
blame them for purging through our data and shopping patterns.
Because if you're on any sort of social media platform.
You know they're doing the same thing and they know
you better than you know yourself. I personally, will you
know with because I'm discerning sharper and I am loyal
(13:05):
to some brands, for example, where I get my coffee
beans greatest coffee roaster, and you know, after ten purchases
or whatever, I get a free bag, so it keeps
me going back. Not necessarily the free bag, but it's.
Speaker 2 (13:20):
A little quality.
Speaker 3 (13:22):
Well that's a two hundred and fifty grand bag of
really high quality coffee beans, and I get one, you know,
every fourth time or whatever I'm there. So for me,
I'm loyal. It's value for money. I'm going to drink
the coffee anyhow, and I'm saving money by making my
coffees at home. So in that instance, I don't feel
like I'm being manipulated so much. It's a night I'm
going to buy anyhow, and I'm rewarded for coming back.
(13:45):
Some of these other loyalty schemes, I don't know. I
guess you know, approach them with a little healthyness of skepticism.
I like the ones that the petrol ones, where you know,
again you have to buy petrol if you buy it
on a certain day, you get the whatever ten eighteen
cents off, and those kind of things I think are
good incentive to keep coming back. I guess it's when
(14:07):
you're being marketed to and bombarded with things you don't
necessarily need just to top up your shopping basket where
you have to be careful. And I think there's certain individuals,
just like probably people are predisposed to alcoholism, where they
should just kind of either stay away from those things
that they know that they're going to be sold too
(14:27):
easily and accept that, you know, the offer versus things
that you might practically need and you're going to get
a good deal for them. And I think most people
buy and large are quite smart and sensible when it
comes to that kind of stuff.
Speaker 2 (14:41):
Actually, I think I'm at the stage where if I
need to make any major purchase. So for instance, my
laptop went on the blink the other day and I'm
thinking I'll probably have to get it repaired, but I
started thinking I might need to get another one, which
is and I don't think i'd ever want to pay.
I don't think i'd ever want to buy. And you
making purchase like that without waiting for sale because We
(15:04):
just have sale so frequently that unless you're desperate to
get something immediately, I'm almost always waiting for sale for
any major purchase.
Speaker 3 (15:14):
Yeah, I think that's fair. And there's some items that
don't go and sell all that you know often for example,
Map products, et cetera, and Apple they're going up. But
you know, I've done it in the past. There's probably
some tech experts out there that may be horrified, but
I have bought in the past the refurbished you were
talking about the Bose headphones, or because I needed a
(15:36):
new desktop and a purchased one a refurbished one. And
I actually was told by the tech guy that I
worked with at the time that they actually do more
testing on those refurbished ones, so the ones you buy
out of the box. So again, you know, a little
research can go a long way for an item that
you already need to buy.
Speaker 2 (15:56):
We'd love to earn you on this. I mean, how
do you how do you one? How do you treat
just shopping on the online environment? And I've already had
a text from someone around my superst I got to
find a new word for superstition. It's not a superstition,
it's not only anything wo wo. But whether you trust
the dynamic pricing and the way companies can go, oh, look,
(16:18):
this person's looking for this. There's the other side of
it is that you might think, you know, you go
on to a site and you look once and then
you click off. You look twice, you click off, and
then maybe you think, well, maybe they're going to come
to me with a better deal. I mean, where are
you at with dynamic pricing? But this person's text is
saying found the same thing on flights in flights on websites. Tim,
what I do is write down the deal. Then if
(16:40):
it changes, as most of the time it does, I
call back the company I found the deal with. Oh
I thought there was more to that there, Paul, hang on, Oh,
I write down the deal. If it changes, most time
it does, I call it the company I found the
deal with. Okay, Well, they might say too late, you've
missed out. But yeah. And also when it comes to sales,
I mean, are you a sucker for a sale or
(17:00):
do you actually have good discipline with this stuff? Because
there is a role for sales. And as I say,
I'm always waiting for something I've got to buy, I'm
always waiting for sale on it, and I have had
a bit of luck in that respect with some In fact,
there was one sale that came up for something I
was looking for, and it was through an appliance company,
and I'm not going to give them free advertising, even
(17:22):
though I'm quite happy with them, And I was almost wondering,
how on earth does a sale thing come up? But
it was just a coincidence that they offered a massive
discount or something I was looking for, so I went
with it. So I don't know anyway. I eight hundred
and eighty ten eighty. Your approach the sales and also
loyalty schemes. Do you sign up to them and do
you think you're getting value for money or do you
(17:43):
just think it's a way for them to siphon the
data and what you give to them is worth more
than what they're giving to you. I eight one hundred
and eighty ten eighty Amanda Morales mcguest. It's twenty four, by
the way, just before we go to the break, I'm
just thinking about whether I have to push a man
to find out what brand of coffee it is that
she loves so much that she orders it again and
again and again and she doesn't care that they give
her a free bag every ten times, because I trust
(18:07):
your judgment and I want to know. Anyway, if enough
of you text, maybe Su'll tell us, oh wait one
hundred eighty ten eighty. I think she'll get an extra
free bag of coffee for mentioning on the radio. Just
make it up as a go along. Twenty four past
five News Talk z B, Yes, News Talk zed B.
This is smart money. My guest is Amanda Morale. We're
talking about loyalty schemes and sales. I guess the two
(18:29):
sides to sales are how do you resist a sale?
Are you one of those people who has to look
literally just push yourself away from the shop or wherever
and go come back tomorrow and steaf I still want it?
But also sales are a device to it seems that
everyone's having sales all the time. Do you just have
to be a bit patient and way it comes your
way anyway. Amanda Morell is my guest, and let's go
(18:49):
to Craig Hi.
Speaker 6 (18:52):
Good evening.
Speaker 2 (18:53):
How's it going good mate? How you doing not too bad?
Speaker 6 (18:56):
I was laughing them as sir, if you're pushing olives
bakery and pushing the coffee company shouse.
Speaker 2 (19:02):
Deserves those pies need to deserve to get fantastic.
Speaker 6 (19:06):
Yeah, no, I was up and looking last week. I
made a special trip over there from Hamilton and had yeah,
very nice.
Speaker 2 (19:12):
Anyway, side note, did you seriously detour to go to
the pie place? I recommended?
Speaker 6 (19:17):
We were going to walk with to do some work
for work, and I said to the boss, we need
to go to this place, and he's like why, and
he said, he says, it's just a bakery. So we
went there and after you took one bite, looks me
and goes, this is damn good.
Speaker 2 (19:29):
It was real big chunks of meat and every and
those brisket ones. Anyway, and I'm not on anyway. I'm
not on the take from them, But thank you for
mentioning that, Craig, because who doesn't love a good pie. Yeah.
Speaker 6 (19:40):
Two things I've come across recently is there was a
supermarket recently doing a buy so much you get a
coupon thing and go towards the really nice industrial steak
knives and stuff like that, and my partner decided to
go and start doing that skin. When I sat down
and worked it out to get the complete set you
had to spend five and a half thousand dollars in
the grocery store. And it's like it seems a lot
(20:01):
I think a lot of people don't. People don't quite
look into the how much ones you get to how
much you spin in the store to get a knife.
So yeah, very expect to see it's nice.
Speaker 2 (20:12):
Yeah. Yeah, I tend to think that that's a real trap,
isn't it. It hooks you there. I think, oh, look,
I'll just go to that supermarket because and then they
run out, and then it ends up being a talk
topic on newstalks'd.
Speaker 3 (20:25):
Be and if you're shopping anyhow, like did your wife
have to do the shop and would she naturally do
the shopping there anyhow?
Speaker 6 (20:34):
Did it anyway?
Speaker 7 (20:35):
Yeah?
Speaker 6 (20:35):
But then saul this and goes, oh so we kind
of probably went back more often than we should have. Yeah,
well I only found out from a credit card statements,
and you find out how many times. But the other
problem I've got to is my one of my relatives
has been is very bad at late night shopping on
those infomercials. And he brought to me recently where they
(20:56):
give you buy this now you get two free ones.
So he bought that gave them to his niece, and
then you decide he didn't like the ones that he wanted,
so you had to send them back. But then you've
got to send the other ones back as well, and
she proceeded to on give them to some of your
friends in Australia. So now they're trying to trick them
down to get them back. So it gets a little
bit tricky with those informercials sometimes who don't think about
(21:18):
the whole thing really, but.
Speaker 2 (21:20):
Well a little bit on that topic, you see. I mean,
I get who doesn't get a TEAMU ad shoved your
way and people go I love TEAMO and all that.
I just I avoid it like the plague because I
just think, I wonder how much crap you buy on
TEMU that you really didn't need, only just because you know,
I mean, the ads they offer you get so much
(21:41):
free spending. I don't know. I don't I don't trust
them at all. For one, But you've been on TMU, Craig,
because I suggest never go there if you No, no.
Speaker 6 (21:50):
No, I haven't been on TEAMU. I look at things
like the store in store specials and things on Team
I look at it from the other side. Of the coiners, like,
they must be making something out of it. I'm not
going to give her away anything for free, so there's
got to be an angle that they're working on. So
that's the way I look at it. I think, well,
it's a great deal, but somewhere down the line, I'm
going to pay for it somewhere else.
Speaker 2 (22:09):
Well, I don't know how it works, Amanda didn't, whether
you know or not, but I have a suspicion that's
all modeled on a certain percentage of people who, once
they buy, will keep buying, and so will Yeah, and
my problem with.
Speaker 3 (22:20):
Team you is they're making so much stuff and factories
that are quite often staffed by you young people under
dubious conditions. So for me, it's sort of the conditions
and the production of all this excessive stuff. Having said that,
I have bought poo bags for my dog off TEAMU
and some dacent vacuum air filters which are five dollars
(22:42):
versus twenty five. But as I sort of I sort
of changed my principle about it and I deleted the app,
and I'm like, nah, it's just there's something dubious about
the whole proection model that makes me a bit squirmish.
Speaker 2 (22:54):
Well, actually, to me, it's just it's just endless consumerism.
People buying stuff. Do you really need that drying rack
for those dishes that hold your dishes in a certain
position and stuff? I don't know, it's just what do
you reckon?
Speaker 6 (23:05):
Craig, Yeah, I just think a lot of it is
a little bit scary. But the scariest thing I noticed
most of all was with some appearance have got iPhones
and I'll be talking about something randomly in the kitchen.
Next minute, none will go to the emails and they've
been aired for something they've been talking about. She sits
there and go, whoa. So that's that sort of AI
stuff does kind of skin me a little bit as
to what they're listening to to work out the algorithms
(23:27):
to what you want to buy.
Speaker 2 (23:28):
So yeeah, that is a bit of a That is
a bit of a thing. I think if I was
going to talk about something deliberately in front of my phone,
I would say to the phone, I'd be saying with
an earshot, I'd be going, I'm looking for a new
such and such, but I'm really only going to do
it if I get fifty percent off that's the one anyway,
(23:49):
Thanks mate, take care right, let's go to worry up
to Richard. Hello, Hello, Okay, there we go.
Speaker 3 (24:00):
Yeah.
Speaker 7 (24:01):
I have a very very strong moral and eth clip
to loyalty schemes, and frankly, I think the day will
come when the Commerce Commission or whatever else will put
them pretty a scounced because they are basically extortion under
a different name. And you know, I've just surrendered one
(24:24):
that I had because they wanted my email and all
sorts of other stuff, and I said, you don't need
my email to give me good deals. I don't shop
on an email, and they said, no, we have to.
You have to give it.
Speaker 6 (24:38):
Now.
Speaker 7 (24:39):
I think you can learn a lot about loyalty schemes
by reading what they get out of it. And I
just haven't executive. You know, if it's shown is you know,
fifteen dollars is the price, but twelve dollars to members
or they do it. They do it twelve dollars for members,
(25:01):
twelve dollars and fifteen dollars for non members. Now that
is like if they did the same thing with with gender, all.
Speaker 3 (25:09):
About you and cry they do they do do the
same thing with gender. It's called think tax actually want
is check out the differences between a woman's haircut and
the mounds.
Speaker 2 (25:25):
And a whole number of things actually people. But by
the way, if you're listening, what are the examples where
women will pay more for something that get charged more
for something than there's something else that's missing my anyway,
I'm distracting, Sorry, Richard. That's You've raised an interesting aspect
of that, because if I go, I do give my
details sometimes, but they sometimes they are happy with just
(25:48):
a phone number, and I'm actually okay giving them a
mobile phone number as a way of identifying me. So
I say, here's my name, and they say do you
want to do you want to give your email or
phone number? And if they give me that, I'm I'm
a bit more relaxed because I just give them a
mobile phone number and they're not I don't know whether
I'm same job. I don't know what do you reckon? Well?
Speaker 7 (26:08):
I mean, I go into a shop and if there's
a situation like that, it's something I want. I take
them up to the to the shakeout, and if the
person next to me, I say, do you want to
earn the extra benefits? And if he says no, thanks,
I just leave them there and if I you know,
like if I hopefully if they start seeing stuff that
(26:31):
Dave got on club CARDA would you know, I don't shouldn't,
you know? Whatever it is the scheme being left at
the at the counter because the person's not a member,
then maybe they might start to think about, you know,
are we actually doing this at four people for our
customers and create good feelings and customers because I don't
get a good feeling when I see that sort of thing.
Speaker 2 (26:52):
Actually, that's you know what I would imagine that if you,
if you if you're at a good retailer and you're
not part of this scheme, but you know there's a
deal going, if you just go, look, I'm not a member,
but I take privacy fairly seriously. But I know you're
giving this two members. Are you going to give me
the price? I would imagine a good retailer would go, yes,
(27:14):
it's almost like a price because a lot of them
have price match guarantees.
Speaker 7 (27:18):
Yeah, well I've tried that. And you know, it used
to be a time when people in the check out
they store people and could use their card if they
don't know they're told not to. A're not allowed to somebody.
Speaker 3 (27:29):
Somebody did that for me the other day. I think
it was like the Goal or something and there or
mobile and they said, oh, you need to get the
smiles current. I'm like, I don't know what.
Speaker 7 (27:39):
They're actually good?
Speaker 2 (27:40):
Yeah, who's good? Which is good that smiles?
Speaker 7 (27:44):
Can't they do that because I don't. I don't know
have smiles can't either, But you do.
Speaker 2 (27:49):
You don't mind that one so much because they'll.
Speaker 7 (27:52):
Give you the price just you know. I mean, that's
the thing. If they're selling it for that, they should
be faid to sell it to whoever comes in, not
have preconditions, and require.
Speaker 2 (28:04):
Actually should just to play devil's advocate, because I would
sometimes I have argued this and people will have heard
me say this, so I might as well be honest
that I don't mind being targeted for stuff I want,
because the last thing I want to be doing is
getting ads for stuff that I don't want. So I mean,
(28:24):
you know what I mean, it's almost it's an efficiency.
You could argue, I don't. I'm I'm on radio. People
know what I think about a lot of things. I
really care if some computer knows that you know this
is these are the products I'm interested in. Do you
think are you sweating some small stuff? Do you think?
And maybe you could just relax and go, what the
(28:44):
hell give me the cheap price, I'll join up.
Speaker 7 (28:48):
Well, no, because that's a the end of the wedge,
you know.
Speaker 2 (28:51):
Like what's the fat end of the wedge?
Speaker 7 (28:54):
The fair end of the wedge is just when they
say you can become you know, you can have a card,
but we won't take information off you just use your card.
And that's what you know, Like I would be happy
with it, and that was how it used to be.
But I can see the day coming when they step
over the line and the Congress Commissions is right, you know,
(29:17):
because they're fighting against each other with these loyalty schemes.
They're not they're not doing it to make it better
for us, trying to steal, you know, or trying to
encourage people to shop that would otherwise shot at a
different store.
Speaker 2 (29:30):
Yeah, that's an interesting that's a really interesting point of view, Richard.
In fact, I could almost imagine thanks for your care mate, Amanda.
I could almost imagine a member's bill in Parliament where
someone says they want to draft a bill to make
it illegal to offer different prices to people who sign
up to loyalty schemes. I can imagine that going to
(29:50):
Parliament and getting voted down.
Speaker 3 (29:54):
I just think, like again, in the ground scheme of things,
when it comes to privacy, I think we've surrendered a
long time ago our privacy. Like you've pointed out your
phones are listening to you. You know, when you want
to share photos with Google, They've got access to all
your photos. Here's a scary example because I'm a big
user of chat PTE and I you know, search it
(30:17):
for a whole number of things, something to do with
dog behavior on this occasion, and it referred to my
dead dog by name and some tips it was giving me,
And I asked it, like, how do you know the
name of my deceased dog? They're pulling information from every
sources they can get now, so I think, you know,
we can get upset about loyalty cards and what they
(30:39):
know about us, but I think at a metal level,
there's a whole bunch of stuff that we will probably
lose sleep over if we knew about in terms of
you know, everything from consumer patterns to sort of life
stages and the whole life cycle of purchases. And patterns.
Speaker 2 (30:57):
What was that coffee you liked?
Speaker 3 (30:59):
Oh, I don't think it's going to like appeal to
most of your listeners because it's in Devin shout out
to Chiasso because they do an excellent beIN.
Speaker 2 (31:09):
So I didn't know how you spell that.
Speaker 3 (31:12):
Cee ias. Anyhow, I keep coming back because it's a
great tasting coffee, and I get that two hundred and
fifty grand bag for every I don't know.
Speaker 2 (31:23):
Next time you get in touch with them, see if
their internet traffic had a spike at five.
Speaker 3 (31:27):
For I think you're doing okay, You're doing okay.
Speaker 2 (31:32):
I think they're probably doing right. Actually, I'm going to
do a little experiment just for later on. I'm just
going to mention I'm really desperate to buy some dog
food because I don't have a dog, so I'm really
desperate to buy some dog food and I'm looking forward
to a really great deal on the on the food
that's going to keep my pet as healthy as possible.
(31:52):
X Funny thing is if there are people who've got
their phones next to the radio right now, their phone
might be listening to what I'm saying, and they will
get adverts for dog food that'll be interesting, wouldn't it.
Speaker 3 (32:02):
I'll report back on that if I start getting spounded
dog food adds Yeah.
Speaker 2 (32:07):
Or I could just say something mischievous like Alexa play
Welcome to the jungle, and that's me to being mischievous
before we head to the break, because that does work.
Nineteen minutes to six News Talk said B News Talk
s B. We're talking about loyalty schemes and sales and
everything in between with Amanda Morale. And by the way,
I've got a text saying I'm not sure about Amanda's
(32:28):
fiscal responsibility buying a beans from Devonport Coffee. Look, it's
one of life's luxuries, you know.
Speaker 3 (32:35):
Good support your local roaster. Yeah, yeah, you know your
local business.
Speaker 2 (32:41):
Yeah, how local is that for you these days?
Speaker 3 (32:44):
Well, it's only the last week that I've moved, so
somebody in Walworth can probably recommend where I can get
my beans.
Speaker 2 (32:53):
Get my beans also means it used to be in
on old saying in New Zealand for getting beaten up.
By the way, where can I get my beans?
Speaker 3 (32:58):
It's like, yeah, how about you know, talking about getting
accent for an a parliament. So the one thing that
does steam my being is these subscriptions, automatic subscription. I
can't wait for the day that MB or the Commerce
Commission craps down on auto renewals because that, I think
really costs people a lot of money when they should
(33:21):
be reminded about a subscription that may be no longer
need or use. And those things can really add up.
Speaker 2 (33:27):
I really careful about that stuff. You know, the trial
period and if you forget it all of a sudden,
there's one hundred bucks out of your account. Yeah, A
good point. I love that expression, though. That really steams
my beans. I might use that. I'm going to use
that from now, and I think well done, Amanda. A
new expression for me to try out. Johnny, Hello, I
hang on, hold it, hold it? Where's Johnny. Let's let's
try that again, Johnny Gay.
Speaker 4 (33:48):
Okay, I'm just just pulling over here, so yeah, I'm
pulled over there, right. So Look, I was brought up
very frugal. My mother was the same stress as she
raised me on making clothes and selling them, and she
taught me how to do everything. But when I got
my inherit and side went nuts, and I mean nuts,
(34:09):
Like I bought a motor home, I bought a bus.
I didn't even like look at it, and my missus said,
I want the purple one. So we flew down to
Parme and bought it and drove it back. You know,
we've bought things like a crane and a truck and
you know, people say, oh, you should have got your
transport service license before, but the deal was going and
(34:31):
I just jumped on it. And you know, now I
actually got thirteen thousand road user case for free with
with the crane, so it was virtually like almost getting
a half the cash back. I've been lucky, but like
now that I'm equipped and I've got my toys, and
you know, I've done this and that, and I've put
money in the kids account. I've got another estate coming
(34:52):
in and this time I thought I'd save a bit
of money. Instead of having WISPEC convert the money from
Australia and charged me five grand, I put it into
Wise money. App Oh yeah, they've lost They've lost one
hundred thousand Australian and it's somewhere in cyber space. It's
been two weeks.
Speaker 2 (35:10):
Who's lost and.
Speaker 4 (35:13):
Wise reckon that the lawyer has lost it at the
Commonwealth Bank when they put it in that they put
the wrong numbers in. But they did, and why's it's
got a call center in Botswana and another one in Manila.
But the frustrating thing was was I rang them and
the head officers in Austin. I said, I want to
speak to the head officer and they said, oh, we are.
The hent offis, how's the weather in Austin tonight? And
(35:34):
it's a beautiful day. And I say, it's funny, it's
not in Austin.
Speaker 2 (35:38):
I mean, that's a strange one. John. Now, I can't
work that out because wise have been excellent. I had
a fraught some praudlent transactions. I complained on the straightaway
and they had to refund about fifty transactions. They did
it within twenty four hours. But so that does sound strange,
doesn't it if it's.
Speaker 3 (35:53):
An accounting eraror though I'm just curious as a bank
acting accountable in any regard over there.
Speaker 4 (36:00):
So the lawyers, yeah, look here's the answer, right, So
they said they used zero to the deposit. They traced it,
They used the UEERT things and all the tracing. It
went from Commonwealth Bank through to ASP who handle international
train sections, through to A and Z the host body
for wysapp and now we don't know where it is.
(36:20):
It's been ten days. I'm still asking every day and
it's just causing so much heaving. That's not knowing.
Speaker 2 (36:28):
That sounds a nightmare, Johnny, That's incredibly scary.
Speaker 3 (36:31):
And I tell you I had a similar experience transferring
money from Canada to New Zealand once and it went missing,
large volume of money. There's lots of little different intermediate
areas where your money is switching hands and other people
are making money off your money. I assume because it
was an estate and it's going through banks that you'll
(36:52):
will ultimately get that money. But it's the time lost
on I mean, did you get a fixed rate on
the exchange rate of the time.
Speaker 4 (37:00):
I did, But now it's going back and we're going
to convert it in Australia before setting it here. But
like I did, miss out on buying a bus, So
I'm starting a soup kitchen and mobile soup kitchen on.
Speaker 2 (37:11):
The sale, just splashing the cash everywhere. Johnny, Have I
got a deal for you? Anyway? Thanks mate, Thanks for
your core. I also just I mean, I'm always a
little cautious when we're talking about one particular a person's
experience and naming it a bunch of different companies without
really knowing who's responsible. So I just sort of think
it's it's something I'm a little bit cautious of pushing
(37:34):
too far on a you know, unverified in a way.
That's all. I just had to mention that, well, we do.
Speaker 3 (37:40):
We do put a lot of trust in you know,
things like Revolute Wise Digital banking, our own banks. So yeah,
I mean i'd be I'd be sweating too.
Speaker 2 (37:52):
That's probably we could do a whole hour about that,
sending money around the world. That'd be an interesting topic
about how to how to send money from pillar to
post and not lose it. That's yeah, we might log
that for later and a later date. Thanks you, co mate.
Let's go to the break. Actually will come with the break.
It's ten to six, Yes, welcome back. My guest is
Amana Morrel, friend of the show and financial writer and
(38:15):
commentator and a whole bunch of things. We've got time
for one quick more call, I think with about two
and a half minutes left, and it is Carolyn.
Speaker 5 (38:22):
Hello, Hello, how are you like to thank Richard for
phoning in and queering about this new club card. I
tried to get one, and unleas I gave my mobile,
they wouldn't not my mobile, my email, they wouldn't wouldn't
(38:45):
give me one. And what's happened this time is there
included Pack and Save, and I just wonder why is that?
You know they've got pack and save New World and
I think one other. And what's happened is they can
no longer go to a phone book and get contact
(39:06):
with everybody in any way. So I think they're doing
it this way like getting Oh.
Speaker 2 (39:12):
Look they're after you got and no doubt Carolyn, aren't
they Amanda?
Speaker 3 (39:16):
Yeah, absolutely, there's again privacies. I think I lost concept now,
but on the club card, because you know, I actually
was prompted to now that my four square is local.
One thing that appealed to me because I'm a doubt
whether I'm getting value for money, is you can make
a lect to get your points instead of the discounts.
(39:40):
So that in the case of the club card, that's
what I've done because I do value travel, So there
is some sort of optionality with that particular card. I
can't say I've studied it too much closer than that,
but there it's worth sort of thinking about how it
best it can serve you. So again, if you're a
traveler and an airpoints card, maybe do that instead.
Speaker 5 (40:04):
Well that that wouldn't work for me. I don't do
a lot of traveling. But I just I'm just like Richard,
I just feel a little bit suspicious about why.
Speaker 1 (40:14):
Yeah.
Speaker 2 (40:14):
No, No, It's worth people asking themselves this question because
otherwise it just becomes something we do by rote. You know,
people ask for your email and you just hand it
over and away you go. I mean there are also
people who decide they're going to have a separate Gmail
just for all the junk they're going to get. In fact,
I yeah, I mean I used to have a sort
of Gmail that I used to use for, you know,
(40:35):
for loyalty things, and then I suddenly realized I just
had too many email accounts. So anyway, do you care?
How do you actually I mana just before we go out,
about forty seconds left, how much are you actually bothered
about your privacy? Privacy? Privacy when it comes to the
sort of stuff. What do you sort of think, Oh
that boat, that ship has sailed, Oh I'm.
Speaker 3 (40:53):
Really irked by it. But I feel and there's certain
things you can do to kind of manage it, and
you were asking earlier. I just want to get served
ouds that I'm concerned with, and so you can set
your filters and Google and do this and do that.
But I do feel if you're living in the modern era,
you're kind of fighting a losing battle. So yeah, I
find it deeply disturbing, deeply annoying, but it is what
(41:16):
it is. So to the best of your ability to learn,
want to learn how to manage it so you're controlling
it instead.
Speaker 2 (41:22):
Hey, great to have you on the show as always, Amanda,
and it will look forward to next time. Sounds good, Okay,
take care and the podcast will be upson You can
check it all the hours after the news at Sunday
at six is next to
Speaker 1 (41:34):
Catch your own For more from the Weekend Collective, listen
live to News Talks it'd be weekends from three pm,
or follow the podcast on iHeartRadio
You're listening to the Weekend Collective podcast from news Talks
at Bay.
Speaker 2 (01:02):
Yes, welcome back to the We Can't Collective. You might
have not stuff got a bit of a pong chan
for I usually just said in my producer, just give
me some retro rock with a bit of energy, And
every producer I've worked with it really just that's been
enough of led Zeppelin, there, bit of ac DC, Motorhead whatever.
It's not that I listened to it in my own time.
In fact, I thought that this particular thing we often
say to our guests, would you like to choose a tune?
(01:25):
And I thought, actually this one was the choice of
my guest John Vatter and duston just a moment. But
I think she approves anyway. This is smart money. And
as you know, we love your calls. I weight one
hundred eighty ten eighty. And it's sort of a not
a disclaimer, but a qualification I add to when I
say we'd love to hear from you, is, you know,
if your first time listener, I mean if your longtime listener,
(01:46):
you know, want to be your first time caller. The
thing is, and it's in fact, in fact, it was
advice I got ages ago from Tim Dower, which was
just about hosting as well, and he just said, remember
you don't have to have that. You're not having the
final word. You just contributed into the conversation. So if
you want to call us and I eight one hundred
eighty ten and eighty, we're not expecting you to actually
(02:07):
solve the meaning of you know, give us the meaning
of life. We just love you to join the conversation
and give us your reckons. So yeah, eight hundred and
eighty ten eighty in this hour, of course, it's smart money.
And before I introduced my guest, who I think probably
is a Led Zeppelin fan, but will aceitate that, ascertain
that as we go into the conversation. So with I've
(02:30):
noticed with this hour with money, our conversations have evolved.
But with property becoming less of the golden goose that
laid the golden egg that we've made it out to be,
and people are talking about, you know, how how else
we can be financially stable and all that and being
disciplined with your money and keeping your spending affairs in order.
And I've seen it. There was a story so recently
(02:52):
about loyalty schemes and how you know they sort of
can potentially cost your money, and I'm becoming increasingly I'm
going to say superstitious, because my fears have not founded
on anything that's particularly concrete in fact. But I'll tell
you something that I'm doing now, and it's just because
(03:13):
I don't I don't trust the online experience not to
try and screw more money out of me once I've
searched for something. So, for instance, when I search for flights,
I don't log in. I don't log and I don't
want them to know it's tim beverage. I just do
it incognito because I just want to know what flights
(03:34):
are available, because I have the superstition that once they
work out that I want to travel to christ Church,
all of a sudden, it's like, oh, sorry, those flights
have gone, and they know that I'm keen, so they'll
squeez an extra forty or fifty bucks. I should probably
really ask the people who run the airline, because I
probably have access to that. But I am SUPERSTI I
am a little bit not trusting of Loughty programs so
(03:56):
much because I just think they have a way of
you know, it's called dynamic pricing, and I don't know
how it works anyway, But also just the question of
whether you are actually looking to fall for every deal
that has presented your way because you're a member of
a Lorty program and a sale comes your way. For instance,
(04:17):
I was looking and my guest is going, when the
hell are you going to introduce me? But anyway, I
was looking at on the Bow's website and I saw
a deal off for some bows. They were what they
call they're not retreads, they don't call them that. I
call them retreads, but they're something where they've had to
they've had something to return for warranty, and they fixed
it up and they sell it and it was really cheap.
(04:38):
And I found myself almost buying a pair of Bose
headphones that I didn't need because I thought, oh my god,
look at the sale. So are you a sucker for
a sale as well? And how do you keep your
financial discipline when the thing that will suck money out
of you quicker than you know is falling for that bargain,
for that thing that you didn't really need. So give
(04:58):
us a call one hundred eighty ten and eighty anyway,
joining us to discuss this. She is author of money matters.
She's a finance specialist and mentor and her name is
Amana Morale and she's with me now from her lovely
looking house where she's moved a little bit further away
from the city. Amanda, how are you?
Speaker 3 (05:18):
It ain't good?
Speaker 4 (05:18):
Ay?
Speaker 3 (05:19):
Who says it isn't about real estate anymore?
Speaker 2 (05:21):
Tim?
Speaker 5 (05:23):
Oh?
Speaker 2 (05:24):
Hot? Take you mean your new house.
Speaker 3 (05:28):
I'm joking. I'm joking. I mean you can't avoid real
estate chart in New Zella. Not quite yet.
Speaker 2 (05:33):
Well, I don't know. I even found that with this show.
There's a certain energy that has over the years I've
managed to observe with the enthusiasm with which people will
dive into a topic. And there's definitely quite a different
conversation people want to have about real estate now, and
(05:53):
it's not so much about marketing and the market and investing.
And I find that conversely, the conversations we're having on
Smart Money, there's a whole lot more energy and a
much wider range of things that people dive into.
Speaker 3 (06:06):
That's a that's a healthy thing. So I'm glad to
hear that, isn't it.
Speaker 2 (06:09):
Although if you could lebridge your everything, you've got to
make a fortune and property that you'd consider that to
be healthy if you could make that fortune.
Speaker 3 (06:18):
But I think that formula worked very well in the past,
but I would put a lot of doubt on whether
that's going to work going forward. So I think people
have some healthy skepticism and are re evaluating that that
whole putting your eggs in the property basket thing. So
it's good to hear that your audience is also sort
of cooled down, you know, cooled on it all the.
Speaker 2 (06:38):
Jets, cool your jets, big boy, as they say, yeah,
we'll go. Are you a sucker for a style?
Speaker 3 (06:45):
You know what? No, because I'm just not. I think
I've been living in New Zealand. I think I've said
before about twenty years and one of coming from Canada.
One of the things that like horrified me when I
left Canada I was the emphasis on consumerism. I was
just obnoxious. And so I'm not an inherent consumer skeptical
about sales. They don't fall for sales. But having said that,
(07:08):
I know plenty of people do and they're very cells driven.
And you know, I think if you're discerning about certain
things and actually need it, not saying a sale isn't
worth pulling the trigger for, but it's not something that
I personally have tended to fall for because I just
feel like I have this sort of overlay on my
perspective that there's just too much stuff, and having moved
(07:29):
recently too, I was like, too much stuff. Time to
you know, peer it down.
Speaker 2 (07:34):
Actually, we had a Stephanie Powell on our parent Squad.
We're talking about just kids and money, and she was
just it naturally sort of morphed into adult behavior as well,
and she was talking about in terms of sales, that
if she's in a moor and there's something for sale
that she finds, you know, appealing, she will still force
(07:54):
us out to go home, and if she still wants it,
then she'll go and buy it, which is actually pretty disciplined.
Speaker 3 (08:01):
It's quite a tried and true mouth of the twenty
four hours sort of cool down period. I highly recommend
that too, because a lot of purchases are made at
the heat, in the heat of the moment, and you
can say that for food too as well. That's why
I always said, you know, don't go shopping after work
when you're hungry. You'll you'll find yourself having purchased a
whole bunch of things that you didn't actually need in
(08:22):
extra calories, so that that philosophy and discipline applies to
you know, the shopping malls and also online shopping too.
Online shopping, I think the bigger has the biggest hazard
there is, like drinking and shopping because for a lot
of horror stories there.
Speaker 2 (08:40):
Because you're at home and you're on the you know,
having a nice relaxing of an evening and you've had
a glass of red or two and all of a
sudden you got is lowered and you see that sell
thing and you're like, ah, hey, job done.
Speaker 5 (08:55):
No.
Speaker 3 (08:55):
I know of one individual's wife has a closet full
of things she hasn't even opened because she I mean,
it can become an addictive behavior for some people. So
so you have to be cautious. But you know, nothing,
it's a good sale, for example, for something you need
to do, like if you have to do some travel
or you're planning a holiday and you see a really
great deal, great, and it coincides with the times that
(09:18):
you need to go. But yeah, I think as a
matter of course, should be worry about a lot of
sales price items. And yeah, so I was I was
kind of looking at some of these, and I think
we're going to get into it later, these loyalty programs
like you mentioned earlier as well, and this was looking
around at some comparisons to what you could get outside
(09:38):
of this loyalty program as a redemption, and then you
know there was a thirty to forty percent difference, so
you have to be really, what's that. So it's just
an example. So I was looking at because I do
need a new toaster, so you know, I thought we'll
look at the Airpoint store, for example, to see what
(10:02):
the redemption is on that toaster and what the item
might be if A shopped around, and I'd be far
better off, you know, buying it just on my own
looking for a really good deal, rather than you know,
spending my ear dollars or airpoints on on the local shop.
So I'm just using it as one example where you
need to just you know, do your research, shop around
(10:22):
and look for a good deal for things that you
actually need. And you know, there's so much stuff and
we you know, the psychology and money I've said over
and over again is such a place into personal finance
in such a big way. You really have to understand
and know yourself and your behaviors to get control over
your position and the people who seem to have the
(10:43):
biggest issues when it comes to personal finances lack of
control and also just the lack of understanding about what
they're doing in general. But it can be really.
Speaker 2 (10:56):
I'm aware that I try and generally go with what
the facts are, right, but I am so I do
have a is it a superstition? I have a suspicion.
What did you make of my You know, if I'm
looking for flights, I log off, I make sure I'm
on incognito before I go look at it any Zealand
or wherever, because I just I don't mean I don't
(11:16):
trust them, but I just but I obviously don't.
Speaker 3 (11:21):
No, you're not the first person to say that too.
And they do recommend if you go to you know,
some how to buy the best stills on what day,
they do recommend you go incognito because sometimes you could
look at the flight price and then go back and
even in the same browsing session, it's shot up a
little bit, and so the algorithms can kick in. So
I wouldn't be, you know, calling yourself paranoid when you're
(11:45):
when you're doing that. I mean, there's so much information
about us these days that we're we don't hold the
power the computers do.
Speaker 2 (11:55):
And well, that's the thing because when you and this
is weird. The question of loyalty programs sort of crosses
crosses the aisle to sort of and be part of
the same conversation, doesn't it, Because when you part of
a loyalty program, they know exactly what you're buying, when, where,
And I don't know, I'm just I'm a bit because
(12:15):
you get given the special deal. So for instance, you
got a new world or will worse or countdown I
don't know if they're still called countdown anywhere, and they
will have specific targeted pricing if you are a member
of this particular club. And I don't know what's your
take on those loyalty programs because you, on the face
of it, they look like you have to belong and
(12:37):
therefore you save money, but you're trading your data, all
your personal information.
Speaker 3 (12:44):
Well, I think the daeds of privacy are long gone,
so I went really fault necessarily these loyalty programs and
blame them for purging through our data and shopping patterns.
Because if you're on any sort of social media platform.
You know they're doing the same thing and they know
you better than you know yourself. I personally, will you
know with because I'm discerning sharper and I am loyal
(13:05):
to some brands, for example, where I get my coffee
beans greatest coffee roaster, and you know, after ten purchases
or whatever, I get a free bag, so it keeps
me going back. Not necessarily the free bag, but it's.
Speaker 2 (13:20):
A little quality.
Speaker 3 (13:22):
Well that's a two hundred and fifty grand bag of
really high quality coffee beans, and I get one, you know,
every fourth time or whatever I'm there. So for me,
I'm loyal. It's value for money. I'm going to drink
the coffee anyhow, and I'm saving money by making my
coffees at home. So in that instance, I don't feel
like I'm being manipulated so much. It's a night I'm
going to buy anyhow, and I'm rewarded for coming back.
(13:45):
Some of these other loyalty schemes, I don't know. I
guess you know, approach them with a little healthyness of skepticism.
I like the ones that the petrol ones, where you know,
again you have to buy petrol if you buy it
on a certain day, you get the whatever ten eighteen
cents off, and those kind of things I think are
good incentive to keep coming back. I guess it's when
(14:07):
you're being marketed to and bombarded with things you don't
necessarily need just to top up your shopping basket where
you have to be careful. And I think there's certain individuals,
just like probably people are predisposed to alcoholism, where they
should just kind of either stay away from those things
that they know that they're going to be sold too
(14:27):
easily and accept that, you know, the offer versus things
that you might practically need and you're going to get
a good deal for them. And I think most people
buy and large are quite smart and sensible when it
comes to that kind of stuff.
Speaker 2 (14:41):
Actually, I think I'm at the stage where if I
need to make any major purchase. So for instance, my
laptop went on the blink the other day and I'm
thinking I'll probably have to get it repaired, but I
started thinking I might need to get another one, which
is and I don't think i'd ever want to pay.
I don't think i'd ever want to buy. And you
making purchase like that without waiting for sale because We
(15:04):
just have sale so frequently that unless you're desperate to
get something immediately, I'm almost always waiting for sale for
any major purchase.
Speaker 3 (15:14):
Yeah, I think that's fair. And there's some items that
don't go and sell all that you know often for example,
Map products, et cetera, and Apple they're going up. But
you know, I've done it in the past. There's probably
some tech experts out there that may be horrified, but
I have bought in the past the refurbished you were
talking about the Bose headphones, or because I needed a
(15:36):
new desktop and a purchased one a refurbished one. And
I actually was told by the tech guy that I
worked with at the time that they actually do more
testing on those refurbished ones, so the ones you buy
out of the box. So again, you know, a little
research can go a long way for an item that
you already need to buy.
Speaker 2 (15:56):
We'd love to earn you on this. I mean, how
do you how do you one? How do you treat
just shopping on the online environment? And I've already had
a text from someone around my superst I got to
find a new word for superstition. It's not a superstition,
it's not only anything wo wo. But whether you trust
the dynamic pricing and the way companies can go, oh, look,
(16:18):
this person's looking for this. There's the other side of
it is that you might think, you know, you go
on to a site and you look once and then
you click off. You look twice, you click off, and
then maybe you think, well, maybe they're going to come
to me with a better deal. I mean, where are
you at with dynamic pricing? But this person's text is
saying found the same thing on flights in flights on websites. Tim,
what I do is write down the deal. Then if
(16:40):
it changes, as most of the time it does, I
call back the company I found the deal with. Oh
I thought there was more to that there, Paul, hang on, Oh,
I write down the deal. If it changes, most time
it does, I call it the company I found the
deal with. Okay, Well, they might say too late, you've
missed out. But yeah. And also when it comes to sales,
I mean, are you a sucker for a sale or
(17:00):
do you actually have good discipline with this stuff? Because
there is a role for sales. And as I say,
I'm always waiting for something I've got to buy, I'm
always waiting for sale on it, and I have had
a bit of luck in that respect with some In fact,
there was one sale that came up for something I
was looking for, and it was through an appliance company,
and I'm not going to give them free advertising, even
(17:22):
though I'm quite happy with them, And I was almost wondering,
how on earth does a sale thing come up? But
it was just a coincidence that they offered a massive
discount or something I was looking for, so I went
with it. So I don't know anyway. I eight hundred
and eighty ten eighty. Your approach the sales and also
loyalty schemes. Do you sign up to them and do
you think you're getting value for money or do you
(17:43):
just think it's a way for them to siphon the
data and what you give to them is worth more
than what they're giving to you. I eight one hundred
and eighty ten eighty Amanda Morales mcguest. It's twenty four, by
the way, just before we go to the break, I'm
just thinking about whether I have to push a man
to find out what brand of coffee it is that
she loves so much that she orders it again and
again and again and she doesn't care that they give
her a free bag every ten times, because I trust
(18:07):
your judgment and I want to know. Anyway, if enough
of you text, maybe Su'll tell us, oh wait one
hundred eighty ten eighty. I think she'll get an extra
free bag of coffee for mentioning on the radio. Just
make it up as a go along. Twenty four past
five News Talk z B, Yes, News Talk zed B.
This is smart money. My guest is Amanda Morale. We're
talking about loyalty schemes and sales. I guess the two
(18:29):
sides to sales are how do you resist a sale?
Are you one of those people who has to look
literally just push yourself away from the shop or wherever
and go come back tomorrow and steaf I still want it?
But also sales are a device to it seems that
everyone's having sales all the time. Do you just have
to be a bit patient and way it comes your
way anyway. Amanda Morell is my guest, and let's go
(18:49):
to Craig Hi.
Speaker 6 (18:52):
Good evening.
Speaker 2 (18:53):
How's it going good mate? How you doing not too bad?
Speaker 6 (18:56):
I was laughing them as sir, if you're pushing olives
bakery and pushing the coffee company shouse.
Speaker 2 (19:02):
Deserves those pies need to deserve to get fantastic.
Speaker 6 (19:06):
Yeah, no, I was up and looking last week. I
made a special trip over there from Hamilton and had yeah,
very nice.
Speaker 2 (19:12):
Anyway, side note, did you seriously detour to go to
the pie place? I recommended?
Speaker 6 (19:17):
We were going to walk with to do some work
for work, and I said to the boss, we need
to go to this place, and he's like why, and
he said, he says, it's just a bakery. So we
went there and after you took one bite, looks me
and goes, this is damn good.
Speaker 2 (19:29):
It was real big chunks of meat and every and
those brisket ones. Anyway, and I'm not on anyway. I'm
not on the take from them, But thank you for
mentioning that, Craig, because who doesn't love a good pie. Yeah.
Speaker 6 (19:40):
Two things I've come across recently is there was a
supermarket recently doing a buy so much you get a
coupon thing and go towards the really nice industrial steak
knives and stuff like that, and my partner decided to
go and start doing that skin. When I sat down
and worked it out to get the complete set you
had to spend five and a half thousand dollars in
the grocery store. And it's like it seems a lot
(20:01):
I think a lot of people don't. People don't quite
look into the how much ones you get to how
much you spin in the store to get a knife.
So yeah, very expect to see it's nice.
Speaker 2 (20:12):
Yeah. Yeah, I tend to think that that's a real trap,
isn't it. It hooks you there. I think, oh, look,
I'll just go to that supermarket because and then they
run out, and then it ends up being a talk
topic on newstalks'd.
Speaker 3 (20:25):
Be and if you're shopping anyhow, like did your wife
have to do the shop and would she naturally do
the shopping there anyhow?
Speaker 6 (20:34):
Did it anyway?
Speaker 7 (20:35):
Yeah?
Speaker 6 (20:35):
But then saul this and goes, oh so we kind
of probably went back more often than we should have. Yeah,
well I only found out from a credit card statements,
and you find out how many times. But the other
problem I've got to is my one of my relatives
has been is very bad at late night shopping on
those infomercials. And he brought to me recently where they
(20:56):
give you buy this now you get two free ones.
So he bought that gave them to his niece, and
then you decide he didn't like the ones that he wanted,
so you had to send them back. But then you've
got to send the other ones back as well, and
she proceeded to on give them to some of your
friends in Australia. So now they're trying to trick them
down to get them back. So it gets a little
bit tricky with those informercials sometimes who don't think about
(21:18):
the whole thing really, but.
Speaker 2 (21:20):
Well a little bit on that topic, you see. I mean,
I get who doesn't get a TEAMU ad shoved your
way and people go I love TEAMO and all that.
I just I avoid it like the plague because I
just think, I wonder how much crap you buy on
TEMU that you really didn't need, only just because you know,
I mean, the ads they offer you get so much
(21:41):
free spending. I don't know. I don't I don't trust
them at all. For one, But you've been on TMU, Craig,
because I suggest never go there if you No, no.
Speaker 6 (21:50):
No, I haven't been on TEAMU. I look at things
like the store in store specials and things on Team
I look at it from the other side. Of the coiners, like,
they must be making something out of it. I'm not
going to give her away anything for free, so there's
got to be an angle that they're working on. So
that's the way I look at it. I think, well,
it's a great deal, but somewhere down the line, I'm
going to pay for it somewhere else.
Speaker 2 (22:09):
Well, I don't know how it works, Amanda didn't, whether
you know or not, but I have a suspicion that's
all modeled on a certain percentage of people who, once
they buy, will keep buying, and so will Yeah, and
my problem with.
Speaker 3 (22:20):
Team you is they're making so much stuff and factories
that are quite often staffed by you young people under
dubious conditions. So for me, it's sort of the conditions
and the production of all this excessive stuff. Having said that,
I have bought poo bags for my dog off TEAMU
and some dacent vacuum air filters which are five dollars
(22:42):
versus twenty five. But as I sort of I sort
of changed my principle about it and I deleted the app,
and I'm like, nah, it's just there's something dubious about
the whole proection model that makes me a bit squirmish.
Speaker 2 (22:54):
Well, actually, to me, it's just it's just endless consumerism.
People buying stuff. Do you really need that drying rack
for those dishes that hold your dishes in a certain
position and stuff? I don't know, it's just what do
you reckon?
Speaker 6 (23:05):
Craig, Yeah, I just think a lot of it is
a little bit scary. But the scariest thing I noticed
most of all was with some appearance have got iPhones
and I'll be talking about something randomly in the kitchen.
Next minute, none will go to the emails and they've
been aired for something they've been talking about. She sits
there and go, whoa. So that's that sort of AI
stuff does kind of skin me a little bit as
to what they're listening to to work out the algorithms
(23:27):
to what you want to buy.
Speaker 2 (23:28):
So yeeah, that is a bit of a That is
a bit of a thing. I think if I was
going to talk about something deliberately in front of my phone,
I would say to the phone, I'd be saying with
an earshot, I'd be going, I'm looking for a new
such and such, but I'm really only going to do
it if I get fifty percent off that's the one anyway,
(23:49):
Thanks mate, take care right, let's go to worry up
to Richard. Hello, Hello, Okay, there we go.
Speaker 3 (24:00):
Yeah.
Speaker 7 (24:01):
I have a very very strong moral and eth clip
to loyalty schemes, and frankly, I think the day will
come when the Commerce Commission or whatever else will put
them pretty a scounced because they are basically extortion under
a different name. And you know, I've just surrendered one
(24:24):
that I had because they wanted my email and all
sorts of other stuff, and I said, you don't need
my email to give me good deals. I don't shop
on an email, and they said, no, we have to.
You have to give it.
Speaker 6 (24:38):
Now.
Speaker 7 (24:39):
I think you can learn a lot about loyalty schemes
by reading what they get out of it. And I
just haven't executive. You know, if it's shown is you know,
fifteen dollars is the price, but twelve dollars to members
or they do it. They do it twelve dollars for members,
(25:01):
twelve dollars and fifteen dollars for non members. Now that
is like if they did the same thing with with gender, all.
Speaker 3 (25:09):
About you and cry they do they do do the
same thing with gender. It's called think tax actually want
is check out the differences between a woman's haircut and
the mounds.
Speaker 2 (25:25):
And a whole number of things actually people. But by
the way, if you're listening, what are the examples where
women will pay more for something that get charged more
for something than there's something else that's missing my anyway,
I'm distracting, Sorry, Richard. That's You've raised an interesting aspect
of that, because if I go, I do give my
details sometimes, but they sometimes they are happy with just
(25:48):
a phone number, and I'm actually okay giving them a
mobile phone number as a way of identifying me. So
I say, here's my name, and they say do you
want to do you want to give your email or
phone number? And if they give me that, I'm I'm
a bit more relaxed because I just give them a
mobile phone number and they're not I don't know whether
I'm same job. I don't know what do you reckon? Well?
Speaker 7 (26:08):
I mean, I go into a shop and if there's
a situation like that, it's something I want. I take
them up to the to the shakeout, and if the
person next to me, I say, do you want to
earn the extra benefits? And if he says no, thanks,
I just leave them there and if I you know,
like if I hopefully if they start seeing stuff that
(26:31):
Dave got on club CARDA would you know, I don't shouldn't,
you know? Whatever it is the scheme being left at
the at the counter because the person's not a member,
then maybe they might start to think about, you know,
are we actually doing this at four people for our
customers and create good feelings and customers because I don't
get a good feeling when I see that sort of thing.
Speaker 2 (26:52):
Actually, that's you know what I would imagine that if you,
if you if you're at a good retailer and you're
not part of this scheme, but you know there's a
deal going, if you just go, look, I'm not a member,
but I take privacy fairly seriously. But I know you're
giving this two members. Are you going to give me
the price? I would imagine a good retailer would go, yes,
(27:14):
it's almost like a price because a lot of them
have price match guarantees.
Speaker 7 (27:18):
Yeah, well I've tried that. And you know, it used
to be a time when people in the check out
they store people and could use their card if they
don't know they're told not to. A're not allowed to somebody.
Speaker 3 (27:29):
Somebody did that for me the other day. I think
it was like the Goal or something and there or
mobile and they said, oh, you need to get the
smiles current. I'm like, I don't know what.
Speaker 7 (27:39):
They're actually good?
Speaker 2 (27:40):
Yeah, who's good? Which is good that smiles?
Speaker 7 (27:44):
Can't they do that because I don't. I don't know
have smiles can't either, But you do.
Speaker 2 (27:49):
You don't mind that one so much because they'll.
Speaker 7 (27:52):
Give you the price just you know. I mean, that's
the thing. If they're selling it for that, they should
be faid to sell it to whoever comes in, not
have preconditions, and require.
Speaker 2 (28:04):
Actually should just to play devil's advocate, because I would
sometimes I have argued this and people will have heard
me say this, so I might as well be honest
that I don't mind being targeted for stuff I want,
because the last thing I want to be doing is
getting ads for stuff that I don't want. So I mean,
(28:24):
you know what I mean, it's almost it's an efficiency.
You could argue, I don't. I'm I'm on radio. People
know what I think about a lot of things. I
really care if some computer knows that you know this
is these are the products I'm interested in. Do you
think are you sweating some small stuff? Do you think?
And maybe you could just relax and go, what the
(28:44):
hell give me the cheap price, I'll join up.
Speaker 7 (28:48):
Well, no, because that's a the end of the wedge,
you know.
Speaker 2 (28:51):
Like what's the fat end of the wedge?
Speaker 7 (28:54):
The fair end of the wedge is just when they
say you can become you know, you can have a card,
but we won't take information off you just use your card.
And that's what you know, Like I would be happy
with it, and that was how it used to be.
But I can see the day coming when they step
over the line and the Congress Commissions is right, you know,
(29:17):
because they're fighting against each other with these loyalty schemes.
They're not they're not doing it to make it better
for us, trying to steal, you know, or trying to
encourage people to shop that would otherwise shot at a
different store.
Speaker 2 (29:30):
Yeah, that's an interesting that's a really interesting point of view, Richard.
In fact, I could almost imagine thanks for your care mate, Amanda.
I could almost imagine a member's bill in Parliament where
someone says they want to draft a bill to make
it illegal to offer different prices to people who sign
up to loyalty schemes. I can imagine that going to
(29:50):
Parliament and getting voted down.
Speaker 3 (29:54):
I just think, like again, in the ground scheme of things,
when it comes to privacy, I think we've surrendered a
long time ago our privacy. Like you've pointed out your
phones are listening to you. You know, when you want
to share photos with Google, They've got access to all
your photos. Here's a scary example because I'm a big
user of chat PTE and I you know, search it
(30:17):
for a whole number of things, something to do with
dog behavior on this occasion, and it referred to my
dead dog by name and some tips it was giving me,
And I asked it, like, how do you know the
name of my deceased dog? They're pulling information from every
sources they can get now, so I think, you know,
we can get upset about loyalty cards and what they
(30:39):
know about us, but I think at a metal level,
there's a whole bunch of stuff that we will probably
lose sleep over if we knew about in terms of
you know, everything from consumer patterns to sort of life
stages and the whole life cycle of purchases. And patterns.
Speaker 2 (30:57):
What was that coffee you liked?
Speaker 3 (30:59):
Oh, I don't think it's going to like appeal to
most of your listeners because it's in Devin shout out
to Chiasso because they do an excellent beIN.
Speaker 2 (31:09):
So I didn't know how you spell that.
Speaker 3 (31:12):
Cee ias. Anyhow, I keep coming back because it's a
great tasting coffee, and I get that two hundred and
fifty grand bag for every I don't know.
Speaker 2 (31:23):
Next time you get in touch with them, see if
their internet traffic had a spike at five.
Speaker 3 (31:27):
For I think you're doing okay, You're doing okay.
Speaker 2 (31:32):
I think they're probably doing right. Actually, I'm going to
do a little experiment just for later on. I'm just
going to mention I'm really desperate to buy some dog
food because I don't have a dog, so I'm really
desperate to buy some dog food and I'm looking forward
to a really great deal on the on the food
that's going to keep my pet as healthy as possible.
(31:52):
X Funny thing is if there are people who've got
their phones next to the radio right now, their phone
might be listening to what I'm saying, and they will
get adverts for dog food that'll be interesting, wouldn't it.
Speaker 3 (32:02):
I'll report back on that if I start getting spounded
dog food adds Yeah.
Speaker 2 (32:07):
Or I could just say something mischievous like Alexa play
Welcome to the jungle, and that's me to being mischievous
before we head to the break, because that does work.
Nineteen minutes to six News Talk said B News Talk
s B. We're talking about loyalty schemes and sales and
everything in between with Amanda Morale. And by the way,
I've got a text saying I'm not sure about Amanda's
(32:28):
fiscal responsibility buying a beans from Devonport Coffee. Look, it's
one of life's luxuries, you know.
Speaker 3 (32:35):
Good support your local roaster. Yeah, yeah, you know your
local business.
Speaker 2 (32:41):
Yeah, how local is that for you these days?
Speaker 3 (32:44):
Well, it's only the last week that I've moved, so
somebody in Walworth can probably recommend where I can get
my beans.
Speaker 2 (32:53):
Get my beans also means it used to be in
on old saying in New Zealand for getting beaten up.
By the way, where can I get my beans?
Speaker 3 (32:58):
It's like, yeah, how about you know, talking about getting
accent for an a parliament. So the one thing that
does steam my being is these subscriptions, automatic subscription. I
can't wait for the day that MB or the Commerce
Commission craps down on auto renewals because that, I think
really costs people a lot of money when they should
(33:21):
be reminded about a subscription that may be no longer
need or use. And those things can really add up.
Speaker 2 (33:27):
I really careful about that stuff. You know, the trial
period and if you forget it all of a sudden,
there's one hundred bucks out of your account. Yeah, A
good point. I love that expression, though. That really steams
my beans. I might use that. I'm going to use
that from now, and I think well done, Amanda. A
new expression for me to try out. Johnny, Hello, I
hang on, hold it, hold it? Where's Johnny. Let's let's
try that again, Johnny Gay.
Speaker 4 (33:48):
Okay, I'm just just pulling over here, so yeah, I'm
pulled over there, right. So Look, I was brought up
very frugal. My mother was the same stress as she
raised me on making clothes and selling them, and she
taught me how to do everything. But when I got
my inherit and side went nuts, and I mean nuts,
(34:09):
Like I bought a motor home, I bought a bus.
I didn't even like look at it, and my missus said,
I want the purple one. So we flew down to
Parme and bought it and drove it back. You know,
we've bought things like a crane and a truck and
you know, people say, oh, you should have got your
transport service license before, but the deal was going and
(34:31):
I just jumped on it. And you know, now I
actually got thirteen thousand road user case for free with
with the crane, so it was virtually like almost getting
a half the cash back. I've been lucky, but like
now that I'm equipped and I've got my toys, and
you know, I've done this and that, and I've put
money in the kids account. I've got another estate coming
(34:52):
in and this time I thought I'd save a bit
of money. Instead of having WISPEC convert the money from
Australia and charged me five grand, I put it into
Wise money. App Oh yeah, they've lost They've lost one
hundred thousand Australian and it's somewhere in cyber space. It's
been two weeks.
Speaker 2 (35:10):
Who's lost and.
Speaker 4 (35:13):
Wise reckon that the lawyer has lost it at the
Commonwealth Bank when they put it in that they put
the wrong numbers in. But they did, and why's it's
got a call center in Botswana and another one in Manila.
But the frustrating thing was was I rang them and
the head officers in Austin. I said, I want to
speak to the head officer and they said, oh, we are.
The hent offis, how's the weather in Austin tonight? And
(35:34):
it's a beautiful day. And I say, it's funny, it's
not in Austin.
Speaker 2 (35:38):
I mean, that's a strange one. John. Now, I can't
work that out because wise have been excellent. I had
a fraught some praudlent transactions. I complained on the straightaway
and they had to refund about fifty transactions. They did
it within twenty four hours. But so that does sound strange,
doesn't it if it's.
Speaker 3 (35:53):
An accounting eraror though I'm just curious as a bank
acting accountable in any regard over there.
Speaker 4 (36:00):
So the lawyers, yeah, look here's the answer, right, So
they said they used zero to the deposit. They traced it,
They used the UEERT things and all the tracing. It
went from Commonwealth Bank through to ASP who handle international
train sections, through to A and Z the host body
for wysapp and now we don't know where it is.
(36:20):
It's been ten days. I'm still asking every day and
it's just causing so much heaving. That's not knowing.
Speaker 2 (36:28):
That sounds a nightmare, Johnny, That's incredibly scary.
Speaker 3 (36:31):
And I tell you I had a similar experience transferring
money from Canada to New Zealand once and it went missing,
large volume of money. There's lots of little different intermediate
areas where your money is switching hands and other people
are making money off your money. I assume because it
was an estate and it's going through banks that you'll
(36:52):
will ultimately get that money. But it's the time lost
on I mean, did you get a fixed rate on
the exchange rate of the time.
Speaker 4 (37:00):
I did, But now it's going back and we're going
to convert it in Australia before setting it here. But
like I did, miss out on buying a bus, So
I'm starting a soup kitchen and mobile soup kitchen on.
Speaker 2 (37:11):
The sale, just splashing the cash everywhere. Johnny, Have I
got a deal for you? Anyway? Thanks mate, Thanks for
your core. I also just I mean, I'm always a
little cautious when we're talking about one particular a person's
experience and naming it a bunch of different companies without
really knowing who's responsible. So I just sort of think
it's it's something I'm a little bit cautious of pushing
(37:34):
too far on a you know, unverified in a way.
That's all. I just had to mention that, well, we do.
Speaker 3 (37:40):
We do put a lot of trust in you know,
things like Revolute Wise Digital banking, our own banks. So yeah,
I mean i'd be I'd be sweating too.
Speaker 2 (37:52):
That's probably we could do a whole hour about that,
sending money around the world. That'd be an interesting topic
about how to how to send money from pillar to
post and not lose it. That's yeah, we might log
that for later and a later date. Thanks you, co mate.
Let's go to the break. Actually will come with the break.
It's ten to six, Yes, welcome back. My guest is
Amana Morrel, friend of the show and financial writer and
(38:15):
commentator and a whole bunch of things. We've got time
for one quick more call, I think with about two
and a half minutes left, and it is Carolyn.
Speaker 5 (38:22):
Hello, Hello, how are you like to thank Richard for
phoning in and queering about this new club card. I
tried to get one, and unleas I gave my mobile,
they wouldn't not my mobile, my email, they wouldn't wouldn't
(38:45):
give me one. And what's happened this time is there
included Pack and Save, and I just wonder why is that?
You know they've got pack and save New World and
I think one other. And what's happened is they can
no longer go to a phone book and get contact
(39:06):
with everybody in any way. So I think they're doing
it this way like getting Oh.
Speaker 2 (39:12):
Look they're after you got and no doubt Carolyn, aren't
they Amanda?
Speaker 3 (39:16):
Yeah, absolutely, there's again privacies. I think I lost concept now,
but on the club card, because you know, I actually
was prompted to now that my four square is local.
One thing that appealed to me because I'm a doubt
whether I'm getting value for money, is you can make
a lect to get your points instead of the discounts.
(39:40):
So that in the case of the club card, that's
what I've done because I do value travel, So there
is some sort of optionality with that particular card. I
can't say I've studied it too much closer than that,
but there it's worth sort of thinking about how it
best it can serve you. So again, if you're a
traveler and an airpoints card, maybe do that instead.
Speaker 5 (40:04):
Well that that wouldn't work for me. I don't do
a lot of traveling. But I just I'm just like Richard,
I just feel a little bit suspicious about why.
Speaker 1 (40:14):
Yeah.
Speaker 2 (40:14):
No, No, It's worth people asking themselves this question because
otherwise it just becomes something we do by rote. You know,
people ask for your email and you just hand it
over and away you go. I mean there are also
people who decide they're going to have a separate Gmail
just for all the junk they're going to get. In fact,
I yeah, I mean I used to have a sort
of Gmail that I used to use for, you know,
(40:35):
for loyalty things, and then I suddenly realized I just
had too many email accounts. So anyway, do you care?
How do you actually I mana just before we go out,
about forty seconds left, how much are you actually bothered
about your privacy? Privacy? Privacy when it comes to the
sort of stuff. What do you sort of think, Oh
that boat, that ship has sailed, Oh I'm.
Speaker 3 (40:53):
Really irked by it. But I feel and there's certain
things you can do to kind of manage it, and
you were asking earlier. I just want to get served
ouds that I'm concerned with, and so you can set
your filters and Google and do this and do that.
But I do feel if you're living in the modern era,
you're kind of fighting a losing battle. So yeah, I
find it deeply disturbing, deeply annoying, but it is what
(41:16):
it is. So to the best of your ability to learn,
want to learn how to manage it so you're controlling
it instead.
Speaker 2 (41:22):
Hey, great to have you on the show as always, Amanda,
and it will look forward to next time. Sounds good, Okay,
take care and the podcast will be upson You can
check it all the hours after the news at Sunday
at six is next to
Speaker 1 (41:34):
Catch your own For more from the Weekend Collective, listen
live to News Talks it'd be weekends from three pm,
or follow the podcast on iHeartRadio
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