ZM's Fletch, Vaughan & Hayley - Fletch, Vaughan & Megan Podcast - 25 March 2021

Episode Date: March 25, 2021

When did you avoid an animal and crash?We catch up with the Georgia, the winner of ZM's secret sound & see if she'll spilt it with usKeeping your money secret from your partnerSee omnystudio.com/listener for privacy information.

ZM. Hit music. Live ZM. Fleece Vaughan and Megan. The podcast. Hello, welcome to the Fleece Vaughan and Megan with Hayley Sproul podcast. Thanks to McCafe. Download the Macca's app. Buy five McCafe coffees and get one free. Just got paid my Scala up holdings dividends from my sharesies app. It's a hot day in the share market and I've got some money to invest. What's feeling good for you?

I love that Vaughan's like before he's like, hmm, what feels good? I invest on a vibe. I invest on a vibe, guys. That's what I invest in. Famous investor Warren Buffett famously made all of his money from investing in vibes. Yeah, I totally invest in a vibe. Tourism holdings? Well, tourism's down.

I probably would stick clear of that at the moment. In the future, it's a long term. It's going to go back up. That's what I'm saying. Is it a good time to invest in New Zealand tourism? Because when it goes again, it's going to go, baby. You know me. I like to get in and get out within a couple of weeks.

So I'm just out. You're a day trader. I'm a day trader, yeah. No, I'm more of a long-term investor. I don't have any money in shares at the moment. Because remember, I got out while I was ahead. You freaked out. I made a few hundred and I was like, I'm getting out of this.

This is what I'm talking about. We've got to keep this stock market afloat. What are you vibing? Looking out the window, it's a nice day. Ice cream will go up. So who deals in ice cream? Fonterra, they're already up. I wish I'd jumped in boots and all for the Fonterra shareholders fund. That's why you need to look ahead at the weather

and see fine days are coming, ice cream sales up. Right. Invest in ice cream. Right. So what you're saying, winter around the corner, I should be investing in some Merino sock companies? Yes, some Skeefields. But is Merino hot this season or should I invest in a synthetic sock? Oh, no, definitely not.

No, not a breathable. Yeah, no, go Merino. Right. Absolutely. Because I went for my food bag. I got on some of my food bag. Yep. That went down after its IPO.

China are encroaching against Taiwan. And I'd probably invest in some military. Some bullets, some military companies. People that make satellites, weapons, nuclear weapons. That's what I'm all about, baby. And then the next, when there's a war, you've profited from that. And I can say, see, I also invest in the responsible fund every week. This automatic payment goes into responsible funds.

It excludes gambling weapons and tobacco and focuses on high score environmental, social, and governance impact. No, what are you doing? No, but that's what I'm saying is now I invest in the weapons And I'm back to neutral baby No but the thing is The only things that go up During a recession Are alcohol and gambling Oh god damn it

God you're doing that At the wrong time I'm doing this the wrong way Aren't I? But if that helps your conscience Your investing conscience Then get into it It does

How much have you got in there? I've got $868 You absolute high roller Yeah How much have you made? How much have you put in? How much have you made? I don't know Where do I find that out? I don't know I've got $868. You absolute high roller. Yeah. How much have you made? How much have you put in? How much have you made? I don't know.

Where do I find that out? I don't know. I'm at 10% return. So $86 I've made. Oh, yeah, that's good. I've made a man. You've made $86. There's my graph.

All right. That's good. Yeah, that's good. So this was a good month for me. Where's that? Like January, maybe. January was a good month for me. Isn't it amazing how many people have got into it because of this app and apps like it? Yeah, yeah, yeah. It's that? Like January maybe. January is a good month for me. Isn't it amazing how many people have got into it like because of this app and apps

like it? Yeah, yeah, yeah. It's amazing, eh? And it's easy. Yeah. And I just, every pay I get 20 bucks put in. Right. That's how I do it.

And then I get a little email saying you've got money to invest and I like either forget or I jump in and I make some like brash vibe investment. Yeah, yeah. All right. Well. All about those vibes, baby. We'll be sure to let you know how Vaughan's vibe investing goes and make sure you tune in to us.

Tell you what didn't go well for the vibes. Bliss Technology, they were going to start peddling medical marijuana. They're down 40% on the 12 months. Oh, goodness me. Make sure you check out Vaughan's podcast, Investing with a Vibe. Oh, yeah. And vibing. And vibing.

It's investing on a vibe Fleech, Vaughan and Megan The podcast ZM Fleech, Vaughan and Megan With Hayley Sproul But today no Hayley Sproul No

Who's filling in for No Megan No Megan So lads, lads, lads Today Broadcasting from the river city Yeah the river city Hamilton

Or is that Wanganui Well that's also got a river That's also got a river But is it the river city You Or is that Whanganui? Well, that's also got a river. That's also got a river, but is it the river city? You're from here. Yeah, I know. Why not? It's the city of the future. Ah, yep, that's true. Just say that broadcasting today from the city of the future.

Oh, no. God, Whanganui. Whanganui has claimed. Oh, right, that's the river city. What is Hamilton? City of the future? You know, cities change this every few years, don't they? They have a new catchphrase. Hamilton, where of the Future. What are they? You know, cities change this every few years, don't they? They have a new catchphrase. Hamilton, where it's happening. Oh, okay.

So more than you'd expect in the 1990s. So what is it now, though? I don't know. Go to Hamilton.com. City of Slogans. Hamilton.com, that'll be for the musical. Surely Hamilton the City got that before the musical. Hamilton.com, that's Hamilton Communications.

That's a private internet service provider. What do they say? What's their catchphrase? If you're searching for Hamilton Books, Hamilton Watch, Hamilton Beach or any other companies of Hamilton in the name you've searched for this site in the era. Maybe I'll try Hamilton.co.nz. Yeah, try that.

See if that's locked in. Okay, Hamilton.co.nz. Yep, here we go. Hamilton. Just Hamilton. Just having, here we go. Hamilton. Just Hamilton. Just go with Hamilton. Okay, well, today broadcasting from just Hamilton. Hamilton.

Hamilton. Just Hamilton. Hamilton. We are going to go to the gardens today because I want to get one of those photos next to the giant door in the gardens that everybody gets. Oh, yeah. You've never been to the Hamilton Gardens? I've got to say, it's an absolute hot spot.

It's a tourist attraction. Yeah, we're going to take a little picnic. We're going to get some buns and a little bottle of coleslaw or maybe a hot chicken or some ham, depending on... Is this a romantic date? Oh, well, we're all going to be there. It simply sounds like it. I'm getting a full 20-pack of crusty buns.

You know when your mum would buy a 20-pack of buns to take and they were always a little crusty by the time you got around to eating them? Coming up on the show before 7 this morning, giving you the chance to win a couple of tickets to the New Zealand Comedy Fest plus a year's supply of Best Foods Mayo. We'll give you the chance before 7 this morning. All you've got to do is guess the comedian. That would actually be handy to take to our picnic.

For the buns. Yeah, for the buns. Because it soaks into the crusty buns and makes them less crusty. The coleslaw's a little bit dry sometimes. So you can guess the comedian soon to win the top sixes on the way. Yeah, Westpac, the bank,

is rumoured to be, we even got a little news alert last night, that they are rumoured to be selling their New Zealand branch of the business. So I've got the top six businesses that could buy Westpac and what it would then be renamed. God, I was a little bit nervous about this because I'm with them, them and ASB, and I really like Westpac's internet banking. It's real, I like it.

I like the fonts and stuff. Good fonts, is it? Because the ASB internet banking does all the same stuff, but the font, it's not a very nice website. And I'm like, well, I don't want to lose that. What if I have to have ugly internet banking? Show me your font. I'm with the bins.

Oh, yeah. Well, I don't have my phone on me. Oh. But it's lovely. It's just a nice layout. I like it. Okay. Yeah, I'm with the bins.

I like the font on the bins. Right, okay. That's a good font, too. Well, it's a big bins. I like the font on the bins. Right, okay. That's a good font too. It's a big, small problem. Banks come and banks go. Banks merge. Yeah, they all make bajillions of money. Yeah, bajillions of monies.

You're obviously familiar with banks. All right, the top six is coming up. All right, and also next on the show, a repeat drink driver has been pulled over. Again, drink driving. Yeah. But having a little something on board as well. Oh, dear.

ZM's Fletch, Vaughan and Megan, the podcast. Bloody hell. Someone has received their fourth drink driving conviction. This is the Blenheim District Court this is reporting from. Okay. Robert Kirk, 51 years old. Named. Named.

And rightly shamed. Yeah. Fourth drink driving conviction. Fourth. When the police pulled him over, he had wine in the cup holder. His eyes were bloodshot and glazed. Okay. And he blew 909 micrograms, which is nearly four times the legal limit.

Yeah, because what's the limit? Like 250 micrograms. Which is about two drinks is the limit, isn't it? Two drinks-ish. Two drinks in the first hour, right? Yeah. And then, yeah, so four times that. And that's quite...

I think it's like the Richter scale, isn't it? The higher it gets, the harder it is. Like, it's quite hard to blow four times the legal limit. Yeah, you've got to be quite drunk. More than twice as hard as blowing two times, for example. So do they use those things where you have to blow in the straw before you get in your car? You know,

an interlock device or whatever they call them? Oh, well, I don't know if that's, if he needs, surely after your fourth time. So, there was, the previous drink driving convictions were 93, 94 and 97. So like 24 years ago.

So cleaned up their act or just didn't get caught. And had to get an interlock device for one year back then. Right. And yeah. Well, like, I understand there's a big gap, but come on, dude. Yeah. Good lord. We actually saw a guy on the motorway yesterday

driving to Tauranga for Bangers Bingo yesterday. This was in Auckland, kind of past Sylvia Park. Leaving the city in a tradies van at, like, 1.30 in the afternoon. Yeah, we left. Quarter past one it would have been. Yeah, we left just after one. And just drinking a Heineken and driving, like, in the driver's seat. On the motorway. And then took a Heineken and driving, like in the driver's seat.

On the motorway. And then took a big sip and then all of a sudden kind of saw cars out of the corner of his eye and looked around like, oh, I'm drinking a beer. I shouldn't be doing this. I was just like, what? In a work van. Yeah. I was just like, wow.

Bad for the business. Bad for everybody. Don't do it. That's very silly. You're obviously not allowed to do that right. Like, say that was That's very silly. Because you're obviously not allowed to do that, right? Like, say that was your first beer of the day. You're not allowed to do that, right? You're driving.

Or it's open in the car. Is that, like, a thing? I'm not 100% sure. I would just say ethically. Ethically, not a good look. I mean, and no one's business is going to want to get reported. No. That's not a great look for business.

Yeah. Not a great look for the brand. I couldn't believe that yesterday. And then this guy, fourth drink driving conviction, four times over the limit. Today is the one year anniversary of the level four lockdown. So it would have been at the end of today. Right at the end of today. A year ago.

That we were hurrying to supermarkets and stores to buy all the flour, the yeast. And the toilet paper. Toilet paper, and the toilet paper to go into lockdown. Well, a study's been done in the US, which has looked at men and women during lockdown and how they feel about their sex lives over the past year of lockdowns. And it is very different between men and women. Very different. We'll go there next. Flesh, Vaugh men and women. Right. Very different. We'll go there next.

Flesh, Vaughan and Megan, the podcast, ZM. Broadcasting the show today from the, just Hamilton. Hamilton. I'm still, I'm on, I'm on. You're still searching for the phrase. The official slogan. But no, no. It did constantly change.

Hamilton, it's moving. I remember from when I was a kid. And City of the Future has been a previous one. Yeah, Hamilton, that was kind of like a loose casual one. Yeah. So in America, obviously, they've been in lockdowns a lot more than us. And today is the one-year anniversary since the Level 4 lockdown at midnight. Yeah.

And in the U.S., a study's been done asking men and women how they have felt in their relationship during the last year of lockdown pretty much for America a lot of American places lockdown permanently in and out a lot of people just completely ignoring their lockdowns and thus extending lockdowns

so 50% of men that they talk to gave the pandemic a great big thumbs up for improving their horizontal tango sex life. Yes. Right. Men said, 50% of men said it has been better than ever. Wow. Because we're stuck at home. We're, you know.

Arguing a lot more and then having to make up sex. However, 71 71 excuse me 71% of women are you emotional I'm tearing up over this 71% of women reported that

their satisfaction is has not been boosted this is this is no surprise though is it no the men are having

a good time women aren't men are having a good time and 70% of women are like, actually no, this is worse, it's terrible, I'm not happy. They're sick of the guy. Yeah. But they can't go anywhere else because

of the lockdowns. Basically, 45% of men said that they were having sex more frequently compared to 29% of women. So you're telling me 70% of men said it was better, but only 45% of women. So you're telling me 70% of men said it was better, but only 45% of men were having sex more often? No, 50% of men said it was better.

Oh, 50%. Yeah. So what are those 5%? They're playing with themselves a lot more, aren't they? Maybe. It seems that could be. But this was people in relationships. I only talk to people in relationships.

What, people in relationships don't play with themselves? Oops, sorry, the squeak of the in relationships don't play with themselves. Oops, sorry. The squeak of the chair really wasn't awkwardly signed. No. But yeah. Right. There's a real, like, chasm, a huge gap between what men and women think about what's happening in the bedroom there. This is not news to me.

No. That men and women have differing opinions and don't seem to be taking each other's into account. Yeah. To the detriment of women. It seems to be a common trail to follow in humanity. Right. Apparently 71% of all the participants in the study were glad to have a romantic partner during the pandemic.

Yes. So they were happy to have each other, most people. 71% of people. 58% of people reported that their relationship actually grew stronger because of lockdown. Right. That's good. That's half, isn't it?

Yeah, but that's good. The other half didn't necessarily say it's grown weaker. They might have just think it's in the same position it was when they went in and to where they're at now. That's good that people have... Maybe it's because they're in each other's face and there's no outside influences and no debauchery, out-drinking debauchery.

So they're staying at home a little bit more. Less chances to cheat, is that what you're saying? Yes, basically. I was trying to word it in a slightly more scientific-sounding way. Flesh, Vaughan and Megan, the podcast. ZM. A year since Level four lockdown in New Zealand, and there's been a story released about how many New Zealanders took overseas holidays.

Oh, good for some. In that time. Do you always get real sad when you walk past like a flight centre or like one of those stores? Like a travel shop. Yeah, and you're just like, oh. Remember? Probably not as sad as I would be if I worked there. Oh yeah, because there's some in the city where I

live that don't even exist anymore. A lot of them shut down. Downsized horrendously. 424 New Zealanders ticked the holiday box on their reason for returning to New Zealand and where they've been and how long they've been gone for. I'm imagining this

must have been an official information request situation. Somebody said, let's find out. 424 Kiwis have taken trips overseas in the past year and ticked the holiday vacation box. Now, do you think some of it is, because we do have a wicked sense of humour, ask New

Zealanders, do you think some of that's a bit of humour? Like you've gone over for a family thing and you're just coming back and you're like, autistic holiday because we're in the middle of a pandemic. But to me, one of the options you can pick when you've been overseas is to say visiting friends and family. Right. So you'd say that. Even most of those would be holidays as well, I'd say.

Yeah. You know, there might be the odd grieving, what do they call that? Grief trip. Yeah. Dead person trip. There might be the odd- Someone dead.

Where you've gone because someone's died. A funeral trip. And you've had to go to like Australia or- Bereavement was the word I was after. There you go. A bereavement trip. That would be, you know, not a holiday. That's bereavement.

But of that, so 10,000 New Zealanders- Yeah. Trave traveled and thereabouts, and 44% of them said they were visiting friends and family. Wow. 23% said they were on business travel, and 3% said holiday, which comes to about 424 people. And the last how long? The last year.

Yeah, the last year. Who are those? And this was only to the end of January as well. So China, Australia, the Cook Islands, and the United States were where those people went. Who are these ballsy people going for a holiday in the middle of a pandemic? Well, they ticked holiday 75 in December and January went to Australia, and the average holiday length was 29 days.

So they were there for quite a while. Well, I guess you've got to go long enough to make up for the fact you're going to be in MIQ for two weeks. One of them was, I don't know if she came out and put her hand up, was the Auckland University Vice-Chancellor.

She went to Australia to visit friends and relatives. She paid for her own MIQ on the return to New Zealand and she was bloody lucky to get one. Yeah, I know. Because that's the other thing now. People are waiting like the average wait, I think, if MIQ on the return to New Zealand, but she was bloody lucky to get one. I know. Because that's the other thing now. People are waiting, like, the average wait, I think,

if you went on the website to be like, I want to come home, what date? So I think it's like the average wait's 16 weeks, which is four months now. That's crazy. And it's changed. Not only do you have to pay for your own if you're coming back and then if you're leaving,

but if you want to stay in New Zealand, it was three months. You had to stay. It's longer now. It's now six months, so at least 180 days. So sitting at about six months if you want to be exempt from the fees. And it has to be your first trip home since August, I believe. Right, because I know so many people. People are like, I'm waiting to come home.

I want to move back. But I know so many people that have just come for like a month or two from the UK and then have gone back. I'm like, how are so many people allowed holidays back here? It's crazy. It is crazy. I don't know. So, yeah, lots of people still.

424 people. Holidaying in a pandemic. Holidaying in a pandemic. Fleshforn and Megan, the podcast. ZM. There's a pandemic. Holidaying in a pandemic. There's a story. This is out of the United States, but you can see some parallels. Yeah. And it is comparing the health of millennials and even the slightly older Gen Xers to that of their parents.

So their parents would be the baby boomers. Yeah. And checking their health. Now, this doesn't include the people after Gen Y, Xennials, Gen Z, and Xennials. Yep. Xennials are millennials, Gen Zers, and they're like the cusp, they're like the hybrid, and then Gen Z follows on from that. Yeah. So this is a slightly older, this is the hybrid, and then Gen Z follows on from that. So this is a slightly

older, this is the Gen X and the Gen Ys. And like the Millennials. So Gen Z, iGen or Centennials are 1996. Okay. Under. And then over that, Millennials are over 95.

From 1995. So I've got 81 to 99 here as the millennials in this specific study. Gen X, 65 to 1980. Right. 1965 to 1980. They compared the health... This is a really ongoing study, by the way.

Ohio State University's been doing this for a long time. So they studied the generation before that, the boomers, our parents, if your parents are older than Gen X, at about the same age as now. I like that, the boomers, our parents, if your parents are older than Gen X, at about the same age as now. I like that because is it Deni Otago Uni does that as well? That is a really long-running study. And that's been going for like years and years and decades.

Yeah, yeah, yeah, decades and decades. So they compared it, the health, the general health. It's not good. It's okay. It's not good. What compared to like our parents? Yeah, overall, the health was getting worse. Yeah.

This is in America, but you can see parallels because they said that a lot of it was a study of the metabolic rates. And it was a metabolic syndrome. And then that can lead to things like heart disease, stroke, kidney disease, diabetes, all these sorts of things. Right, so we're fatter than our parents. Is that what they're saying? The markers for these diseases that are recognised is waist circumference increasing, blood pressure getting higher,

high cholesterol levels, and a higher body mass index. Yeah, right. Yeah. But the thing is, our parents didn't have that sweet, sweet comfort in carbohydrates that we had. They didn't have the carbohydrate options that we had. They didn't have the carbohydrate options. They didn't have the options.

They had carbohydrates, but they were a simple carbohydrate people. The rice or the potatoes. Yeah. And now we're faced with everything. And maybe like the option of three types of chips and four different chocolates. They think it's more related to stress. Right. So stress leads to a poorer mental health. And then mental health sees you seeking out the comfort of carbohydrates.

Oh, totally. But you'll do that, won't you, if you're having a bad day. You're like, well, screw it. I'm just having a donut. I'm going to have takeaways. I'm going to eat bad food and just watch some Netflix. That's right. Bad fats.

Alcohol. Also drugs. And that's the thing. It's not always illegal drugs. It's prescription drugs. A lot more people are on prescription drugs to deal with the anxiety and the stress that's been caused by modern society, and that puts extra stress on your organs, et cetera.

So they're just saying in general the health is going down. People are living longer longer but they're miserable and and fatter yeah and more stressed yeah but it's just the advances in medicine are keeping us limp and long great whereas like our grandparents i suppose would just say boom boom boom boom boom boom dead yeah they were all go it was all go they were so busy it was all go but yeah so that's um well there there you go. Look after yourself. I don't have a solution here. If you came here looking for a solution, I don't have it.

Yeah. Look after yourself. I don't have it because I've already eaten two bagels this morning. They weren't just bagels, by the way. They were double chocolate bagels. They were double chocolate, yeah. Yeah, thanks, Abe's. Those were sent to us in Auckland.

We carted them all the way to Tauranga, all the way to Hamilton. As coincidence would have it, they've got a really thick toaster here. They've got a wide hole. A very wide slot. So it was easy to toast a bagel in there. And we've all had some bagel. Lathered in butter. And I'm feeling okay.

I don't think your parents would have a big, thick bagel at 5.30am. If I ate that, my mum would say something along the lines of, Oh, I won't think your parents would have a big thick bagel at 5.30am. If my parents ate that, my mum would say something along the lines of, oh, I won't need lunch. That's what they say after you take your parents out for breakfast. Because they're not used to, well, rural parents aren't used to going out for breakfast. So you take them out for breakfast. They're like, well, I won't be needing lunch. They'll just have something light for lunch.

Like a half a muffin or something. ZM's Fletch, Vaughan and Megan, the podcast. From the ZM Think Tank, this is the top six. Hello there. I don't know a lot about money or the banking system, but somebody who works at the New Zealand Herald does. Their name's Tamsin Parker, money editor. Does that mean she gets to edit the money?

I think so. Anything money, she does it. She wrote an article. This is from a very quick light Google in November 2019. So that was pre, okay, that was pre-2020. Okay. But at that stage, Westpac had, its cash profit had risen to $1 billion. And then I know during the pandemic, the banks didn't.

They took a hit. They took a hit but still they didn't feel it as much as other sectors. I know, they only made half a billion dollars. We only made half a billion. How weird is it that the Australian Westpac's like, oh god we're only making a billion dollars in New Zealand we'll have to sell that off.

Banks are just scummy, eh? All of them. It doesn't matter what bank you are with, they're just out to screw you, aren't they, really? Yeah, yeah. They can have the nicest ads in the world. Yeah, free pens. And lovely internet banking, but they all just want your money, don't they? Yeah. How about, does it still happen when you miss an automatic payment, you get a $25 fee?

I think some of them do, yeah. Yeah. Just for what? Slightly embarrassing them to the other banks? I'd say, yeah. Because they're supposed to go from one bank to another and it didn't happen. So they're like, you've embarrassed us.

That's going to be a $25 embarrassment fee. And then what do they get? A $5 banking fee a month? Some of them do, yeah. What am I paying that for? Yeah. Et cetera, et cetera. But yeah, they make so much money off Kiwis.

So there's a lot of money. But apparently, I don't know what's triggered it, but Westpac maybe in the process of looking to sell off their New Zealand branch because it's one of the big four Australian banks, isn't it? So I've got the top six businesses that could buy Westpac and then what it would be renamed. Okay.

Number six, if Snoop Dogg was to buy Westpac... He probably could afford it, could he? Yes. How much is he going to sell? If they make a billion dollars a year, isn't this going to be worth billions? Oh, yeah, it'll be a big sale. Well, maybe he'll ask some of the other West Coast rappers to chip in. Okay.

And they could rename Westpac the Westside Tupac Bank. Okay, right. Because they've got Westside there, and then they're paying homage to Tupac. Okay. The Westside Tupac Bank. So it's going to be all things that have pack in them? Pretty much. Okay.

You've read the room very early. I have, yeah, okay. Except for this one, number five on the list of the top six businesses that could buy Westpac and what it could be renamed. North Beach. You know the surf shop? Yep. They could buy it and rename it West Beach

because they're North Beach at the moment, but West Pack is another compass direction. Is that because you went to North Beach yesterday to look for a hoodie? I was literally looking at this when thinking of the top six. Okay. And they could be West Beach, Surf and Skate, and Bank. Okay, good. So you could get a hoodie and a term deposit.

Yeah, good. No one's doing term deposits anymore, right? No. Because the interest rates are so low. No. Number four on the list of the top six businesses that could buy Westpac and what it could be renamed, MacPak could buy Westpac. Yeah, okay.

What would they call it? You can see where this is going. Westpac MacPak. Westpac MacPak. And you don't know which packs with which. Yeah. Like the pack with West now. Is that Westpac's pack or is that Mac pack backpack west pack mac pack and you don't know which packs with which yeah the pack with west now is that west packs pack or is that max packs pack yeah anyway west pack mac pack uh and you could um they could make backpacks and you put all your money in the backpack and then take it to the bank to deposit it yeah but then you've gone to a mac

pack not a mac pack bank bank bank west. Westpac, Westpac. MacPak BankPank. MacPak. One of them. A what? I don't know. Number three on the list of the top six businesses that could buy Westpac and what it would be called then, breath mint company Tic Tac could buy Westpac.

Okay. And then it would be Westpac Tic Tac or West Tic Tac Pack. Okay, right. Or Tic Tac Pack MacPak. No, not MacPak. West Tic Tac Pack. Okay, right. Or Tic Tac Pack, Mac, Mac Pack. No, not Mac Pack. They were the last ones. Okay, right, yeah. Number two on the list of the top six businesses that could buy Westpac

and what it could be renamed, Jack Black could buy Westpac. Yes, okay. And then it could be Westpac, West Jack Black Pack. Okay, yeah. Okay? Or Westpac Jack Black's Westpac. Okay. Yo. Okay. Or West Pack Jack Black's West Pack. Okay. Yep. And number one on the list of the top six businesses

that could buy West Pack and what it would thus be renamed McDonald's could buy West Pack. Oh yeah okay. And it could be the Big Mac West Pack Big Mac. Oh I thought you were going to say Pack and Save in one of these six. Oh. Oh yeah. West Pack and Save. Bonus. Pack and Save. Bonus. Because you missed a sitter there. Oh, yeah. Westpac and save.

Yeah. Bonus. Pack and save. Bonus. And you go in and get your cheap biscuits. Yep. And your cold water serve. And then you've got to explain to your bank manager

why you're blowing all your budget on biscuits on the way out. Yeah. That's going to be a tough one to sell. That is today's top six. ZM's Fletch, Vaughan and Megan, the podcast. Remember Wilson? She's been engaging in physical activity lately. She's talked about how much weight she's lost.

She made last year her big year of weight loss and getting fit. However, she has come off her bike. Biking's great there, low impact on the knees. Yep, I do a lot of biking. You've never heard me complain about my knees, have you? That one time you said you weren't happy with your knees. It was more of a physical appearance. More of an appearance thing than them being sore.

Yeah, okay. You were like, you were drunk, and you... I don't know if I like my knees. Yeah, it was like that. I was like, your knees are fine. Yeah, and then I woke up and... You were like, they're not fine. I was like, stop it, stop talking Yeah. And then I woke up and they're not fine. I was like, stop it.

Stop talking to me. Stop like this. That went on for a while. But ever since, no, the knees have never been mentioned. But she came off her bike because of a dog. Right. The dog wasn't on the lead and it ran in front of her and she, to avoid it apparently, crashed. And it was that classic but then like my

mum's got various pieces of driving advice and one is if an animal ever runs out in front of you just hit it don't swerve to miss it just collect it rabbit possum dog you know people have actually died swerving to avoid rabbits crazy don't avoid them i remember i remember it was in new zealand and it was a lot a while back but somebody uh a bee was in New Zealand and it was a while back, but somebody, a bee was in their car or a wasp, and they just freaked out, I guess it's instinct, and went off the road. And died.

And died. Yeah, I think they went into like a ditch or a pole. That's terrible. Yeah. But that's the thing, you've got to, it's like, you could cause a way worse accident avoiding a rabbit. Oh, yeah, definitely. Just plow through them.

We can lose a rabbit. Yeah, we've got so many rabbits to spare. So many. Plow through them. Possums are the same. Maybe not a cow. That's when it starts getting a bit iffy, when they get big enough that if you hit them,

you're going to do yourself some serious damage. And I think it goes up from there. Rhinoceroses. Don't hit a rhinoceros. Elephants. Dodge. Just slam on your brakes. You could probably go under a giraffe. going to do yourself some serious damage. And I think it goes up from there. Rhinoceroses, elephants, giraffes. You'd probably go under a giraffe. I reckon you could take the legs out. It would probably dent your roof. It would dent your roof, but

it probably wouldn't do too much damage to the front end of the car. Thin legs. Thin legs on a giraffe. She said to avoid it, she had an accident. Right. I remember when I first started dating Sade and we were driving somewhere and a possum ran on the road and she just slammed her brakes on.

It was at night and she was just like, and the whole car just went, and locked up. I was like, what are you doing? Run it over. Yeah, because the old from the country here, Vaught and Smith, is like, just, it's collateral damage. And so the possums are pests. Yeah.

Plow right through them. It's almost a responsibility. Not in Australia, they love possums. Oh yeah, because they, they're a native species. Yeah,

they don't eat all the leaves like they do here. They don't eat every single thing like they do here. But see, that's the thing, if she'd slammed on the brakes and there was another car behind her,

could have gone in, made an accident. Yeah, or she'd just, if it had been a little bit wet and lost control. Yeah. That's what I want to talk about this morning. If you've, made an accident. Yeah, or if it had been a little bit wet and lost control. Yeah. That's what I want to talk about this morning,

if you've ever had an accident avoiding an animal. Yeah, right. Yeah. It could have been on your bike as well. Yep. Because that's the thing, bikes are different if she'd, like, she said she fell off trying to avoid it, but even if she'd hit it, you probably would still come off your bike.

And the dog would probably be fine as well. Yeah, it'd just be like... Yeah. Or maybe you had an accident trying to avoid an animal and you weren't even on any kind of vehicle or bike. Just on your feet. Just walking. Yeah. And you were like, I've got to... A tripped over. Get around this

worm. Yeah. You took a drastic step to the right. Avoiding a worm. I wouldn't want to step on a worm. No, I wouldn't want it, no. I wonder how it got there in the first place. If it was on a footpath, because it'd be drying out, rapidly drying out. I feel like, as an adult, I don't see many worms as when I was a kid. Yeah, but that's because you live in the city and you're not mucking it in the dirt.

I see worms all the time. Oh, okay. Maybe I'll come to yours and see some worms. You're more than welcome. It's been so long. I've got the compost bin and it's chocker, and I've got the worm farm. Do you know what else I haven't seen for ages?

Slaters. Again, you're not looking in the right place, mate. I came across a lot of slaters recently. I moved to Big Pot. The thing was riddled with slaters.

Ween, aren't they? Just scuttled away. What are you doing with the slaters? They're an unusual little creature. They're like a miniature armadillo. Yeah. We want to take your calls now.

Whenever you had an accident trying to avoid an animal, maybe it was a real cute animal too. Yeah, and your idea of a cute animal might differ to those listening. Because if you think possums are cute, I'm not on your team. Okay. Karen's called up. Karen, when did you have an accident avoiding an animal?

I was with my kids, and I always try and teach my kids about not hurting things. So I was mid-step and there was a snail. So I did anything to avoid the snail and I actually sprained my ankle. Wow. And it's so tiny and yeah. My kids were very impressed though that I didn't hurt the snail. So that was maybe one bonus out of it. Right. Yeah. See, you're way different than Maimo. She ploughed through ducklings once at 100 Ks. But that's

would have been so unsafe to avoid the ducklings. If she'd swerved off the road, we could have gone off and, you know, all died, but the ducks would have been fine. Now Mountie's happier. Mountie at the social media desk is like, that's a way better outcome. She would have preferred the Fletcher family were killed and the Duck family. Maybe also called the Fletchers.

I don't know if ducks have surnames, but if they did, they would have survived in that situation. Yeah. Some more text messages. Thanks, Karen. More texts. Somebody said that their husband had a very bad injury on a mountain bike. A wild pig came out of the bush. Oh, and those things are scary.

And solid. It would be like hitting an absolute concrete block. And he went over the handlebars and broke his ribs. Wow, okay. My brother and I at about 16 did not avoid a rabbit. We were on a country road on our way to Badminton. We did not avoid the rabbit. But we had a country road on our way to Badminton. We did not avoid the rabbit, but we had to pull over and we both had a cry

about the fact that we'd just ended a rabbit's life. We were both country kids, though, so being that, we were a little bit embarrassed about being that upset by it. Somebody said we were in a random country lane in France.

Oh, okay. If we'd been a second or two earlier, we would have had a giant boar that ran out. Okay. We slammed on the brakes. The boar looked at us and then kept going. And then we just sat there for a while thinking, God, imagine if we'd had an accident.

Yeah. We don't speak very good French. We don't know where we are. And we would have had a pig plough into us. And how would you explain that you had a pig and you're trying to, yeah, you don't speak French. Mal's called up. Mal, when did you have an accident avoiding an animal?

Yeah. Hi. I was driving home from my dad's house and a dog ran out in front of me. And I drove straight into the island that's in the middle of the road. To avoid the dog? Yeah. I didn't have the dog. Wow.

And so how bad was the car damaged? I couldn't get it off the island, and then some people came out and helped, but they called the police, who called me thinking that her car had been stolen, and the person was taken up on the joyride. But you just avoided a dog and bottomed out on a traffic island. Wow. That's the way to go, though.

Lie, lie, lie. Yeah, exactly. Mel, thanks for your call. A friend of mine was driving from Kingston to Queenstown in a brand new Ford Ranger and hit a deer. $5,000 worth of damage. In a Ranger?

Yeah, but... Those things are tanks. Kept the deer. Oh. So, venison for... Venison backstraps. You'd have to pick out the stones and stuff

off the road. Somebody said that I have a situation that involved an injury and a vehicle and an animal, but it is that I left my dog in the car

and then when I came back I saw the car moving and my dumb dog had chewed on the gear stick and knocked it into gear and so the car was crawling away how did it push the clutch in no I guess it just ground that ground you know when you miss a clutch and it goes and the dog just must have done that put it in gear and it started rolling away and I tried to stop the car and got very badly injured the tire ran over my leg so So that's kind of like your animal injuring you by driving versus you injuring an animal. Somebody else said, my partner went into a ditch to avoid a rabbit on the road.

When they got out of the car after they crashed into the ditch, the rabbit was just sitting there looking at them for a few more seconds before it just ran away. Like laughing. Yeah. It was like taunting you. Extreme rabbit. Just judgment. Yeah. It was like taunting you. Extreme rabbit. Just judgment. Yeah.

Somebody said, your mum ploughed through the ducks, Fletch. Mine slammed on the brakes and had three cars plough into the back of it. Yeah, see, there you go. Yeah.

We hit a stag when we were in Germany. I hope this wasn't on the Autobahn. When you go like 400 Ks. Yeah. We hit a stag in Germany and the antlers came through the windscreen. Like stabby.

Yeah. Okay, wow. We tried to avoid it, but it just ran exactly. Oh, it's like when you're walking down a hallway and you're like, hi, and you go right, but they go left and it's the same way and you're like. Yeah. That's a bit awkward for a moment. Except they did it with a deer on the road going probably 100 Ks.

Yeah. Wow. Yeah. I was driving and a hawk was on. Hawks love doing this, eating a bit of roadkill, but waiting till the last minute

to take off. Yeah. And I was like, it'll take off, it'll take off. It's not taking off. And then it took off as I swerved to avoid it.

And I went into a ditch. Because good people are swerving that way. Don't swerve the other way. Don't swerve into oncoming traffic. But I've heard that people, they can go through your windscreen, those things.

Oh, yeah. You've got to be, yeah. Well, anything will go through it if you hit it hard enough. Crazy times. Yeah. An abnormally large seagull flew past my windscreen on the motorway going 100 kilometres an hour. It was me or the seagull.

I didn't stop. There were four cars right up my jacksy. Yeah. And I just watched a seagull get blown over the top of my car and then underneath the four cars behind. Just give it a little window wiper. Yeah. Just like.

And then you might need to give it a. Oh, yeah. I was thinking of water first and then a wipers. Yeah, definitely. Fleshforn and Megan, the podcast. ZM. Well, yesterday, Georgia won our $50,000 secret sound. We're going to catch up with her soon and find out how that news has sunken

and if she's giving us any, maybe like a small portion, maybe like... Like a finder's fee? Yeah, just... Yeah, totally. Or a real estate agent's fee. Yes. What do they set at, about 2%? Yeah. What's 2% of $50,000?

If it was $100,000, it would be $2,000. If it was $1,000, it's $1,000. Oh, yeah, that's reasonable About 2%? Yeah. What's 2% of 50,000? If it was 100,000, it would be 2,000. If it was 100,000, it's 1,000. Oh, yeah, that's reasonable. Seems fair. Yeah. Split between just us two. Just us two. Yeah.

Hayley Away Magazine. Yeah, no, exactly. Versus. Yeah. I mean, the producers did answer the phone. Anna did answer the phone. Ah, yeah, but they get paid very, very well-reimbursed for their time. So I feel like it's probably just been a split between us.

Right. Okay, right. You can take this up with Anna after this voice break. There's been a study that's shown that if you hold on to negative feelings, it's not good for you. I mean, this is known, right? But then I also find the Irish in me, it keeps you young. Because I was about to say, you hold a grudge, don't you?

But I don't hold on to negative feelings. But that's what a grudge is. No, it's hate. Hate is different to a negative feeling. Hate's different than a negative feeling. Hate's an essential emotion. If you're not feeling hate, are you feeling anything?

And how can you feel love if you don't feel hate? Is there love without hate? You've got to know what hate is to feel love. Exactly. You've got the ups and the downs. This is what, a new study? Yeah. A PhD candidate has released the information on her findings

that the brain, if it holds on to negative feelings, like say she uses a very low-end example of you drop your breakfast. Yeah. Like, say, she uses, like, a very low-end example. Okay. Of you drop your breakfast. Yeah. Okay. And are you going to let that ruin your day, or are you going to put it behind you?

Well, it depends. Is it my last bowl of Cocoa Pops? Yes. Oh. You got it. I know, but there's nothing good can come from harboring the negativity that you experience in that moment. Like, let it go.

Long-term. Let it go and move on. It can lead to you concentrating on the bad things around you and not seeing the positive things. Yeah, right. You've got to experience the bad to really ride the good. Exactly what I said before is without hate, is there even love? Yep.

Sure. And she said it can get into the ablangada. The ablangada. I always just think of that scene of the waterboy when the guy that looks like Colonel Sanders. You know the Adam Sandler movie? No. The doobla ablangada. And then they

start laughing at him and he tackles the guy that looks like Colonel Sanders. It's a great movie. Only producer Jared is getting this reference. Doobla ablangada. Well, doobla, oblongata. Well, apparently it's the part of the brain that can impact your long-term psychological well-being as well. Right. Well, is there any, does she offer any tips on?

Don't be a negative Nelly. Is that all it is? Like, just move on and let it go. Which is when you're in a bad mood is also a sure-fied way to get you out of a bad mood. Oh, yeah. Why are you in a bad mood? You're the grump grumps. What's happened? I spilt my cocoa puffs. Don't be a grumpy. Don of a bad mood. Oh, yeah. Why are you in a bad mood? You're the grump grumps. What's happened?

I spilt my Coco Pops. Don't be a grumpy. Don't be grumpy. Yeah, that makes it worse. What's wrong? It really does. Stop being grumpy. Why are you so grumpy?

So, yeah, don't be. And it can last longer. And then it can obviously become long-term. Yeah. And can trigger mental health problems. And it's a dangerous road to go down. So if you drop your Coco Pops, just move on and just let it go. Yeah.

Don't harbour the feelings of negativity. Monty Python said always look on the bright side of life and it does indeed seem that for your ongoing well-being, that could be more than just a catchy ditty. Yeah. It's very popular to play at funerals. ZM's Fletch, Vaughan and Megan, the podcast. After six weeks yesterday, it finally happened.

Georgia, $50,000 is yours if you can tell us what this sound is. I'm hoping that it is a blunt umbrella being opened. What would you do with $50,000? It would just change my entire life. It would start my career off as a painter. I'm in my honours here at the moment, and I have a four-year-old daughter. I'm a sole parent,

so that would just be absolutely incredible. Georgia. Uh-huh. You have just won $50,000! Oh, my God! Get out of here! I can't to cry! Oh my gosh!

Oh my gosh! Thank you so much! Oh my gosh! Oh my goodness, baby! We've just won $150,000! I'm going to cry! I'm going to cry too! I'm just in complete shock!

Well, $50,000. It's a life-changing amount of money. NZM's $50,000 secret sound. All thanks to Star Streaming. Now on Disney+. More comedy, more drama, more action. You can learn more at Disney+.com. Well, she's on the phone with us a day after.

Well, not quite 24 hours. 23 hours, 20 minutes. Later. Later. Joining us on the phone, well, not quite 24 hours, 23 hours, 20 minutes. Later. Joining us on the phone, Georgia, how are you? Hi, good morning. I'm so well, thank you. How are you? Did you sleep much last night? Oh my gosh,

it was so difficult to fall asleep. I was lying in bed just, oh my gosh, reliving the whole thing again and again. Wow, and have you, did you hear from people that you hadn't heard from for a while? Oh, no, not really yet. I haven't really been broadcasting it or anything. We have been.

Yeah. I hope that's okay. We have been pretty solidly for the last day. Yeah. But no, there have been a lot of congratulations from close friends of mine that happened to hear it. So it's really amazing. And it's been an incredible day yesterday.

Right, but nobody's put their hand out and asked for money yet. No, absolutely not. Everyone's been really kind. It's been awesome. Wow. So have you decided what you're going to do with the money? Because that would have been the last 23 hours would have been a lot of, what am I doing with this? Oh, it's been so difficult because I've got, like,

my first huge assignment for my honours due on Tuesday. So I did try and go to school, but I absolutely could not get any work done. I couldn't stop thinking about it. So I have thought about it, and I'm going to, like, this is so huge for me. It's the start of my, like, financial freedom, really. So I'm going to make sure I look after it. It's going to just probably go towards paying off some bills and making sure we're stuffed for bills for the winter,

which is so relieving. And it'll just sit there for a little while until I really can sort of come to terms with it because it's such a big deal. That is cool. That is cool. And luckily you can't spend it on travel at the moment. No, and I wouldn't anyway.

I love my home. I love Hawke's Bay and I would love to see the rest of New Zealand, of course. But yeah, I'm so grateful to be a New Zealander and to live here. So happy about that anyway. Well, that's awesome. That's good to hear. Sensible. Yeah, so happy that it's here,

that you're going to use that and it's going to come in handy. That's amazing. Yeah, no, I won't be frugal with it at all. Where do you get your paintbrushes from? Where do I get my paintbrushes from? Yeah, so there's a local shop

in Hawke's Bay, Art and Humanities, so they'll probably be very happy. They'll be rubbing their hands together. They'll probably put their paintbrush close up. They'll be like, quick, here she comes, change the prices. Yeah. Have we ruined your honours, though? Because you now said you can't concentrate.

No, not at all. Okay. Yeah, I'm pretty much on top of it, but I've just got the last few days before my first big presentation. So it's okay. It's like the best thing ever, of course. Oh, my gosh. Oh, that is so cool.

Yeah. Yeah. Normally when we give away like the large amounts of cash, there can be a few people that are like, oh, damn it. But I think everybody was like the comments yesterday online saying like that is you sounded very deserving. And I think people were just happy for you. Yeah, it was so amazing to read. It just continuously brought tears to my eyes,

and everyone sharing that they were shrieking in their cars and crying because that was me last year listening to the girl win as well. So it's just awesome to be able to have shared that with everyone as well. Oh, well, so it's just awesome to be able to have shared that with everyone as well. Oh, well, Georgia, fantastic. Congratulations again for winning the latest Secret Sound, all thanks to Star Streaming now and Disney+. Good luck with the honours and graduation as well, and yeah, all the best

with that cash. My daughter just wants to say hello. Thank you so much. Okay. Hi. How are you? Hello. Hi. Thank you. Yeah, cool. Okay. Hi. How are you? Hello. Hi. Thank you. Yeah, cool.

Okay. Now, Mummy's got a lot of money. She can take you to McDonald's tonight for a happy meal. That's right. Absolutely. Hey, thanks so much, guys. Fleshforn and Megan, the podcast. ZM. Today is actually exactly the one-year anniversary of Level 4.

It would have been tonight, a year ago, at 11.59, that we went into Level 4 lockdown. Uh-huh. For what turned out to be what was a proposed cat running past. A cat just ran past the window. You are a grown man. I see that every day. And you are like a kid sometimes.

It looked like it was on its way to work. We're in our Hamilton studios. Yeah. And a cat ran past. Weird because it's like semi-business area, but then over the road it's all houses. Yeah, we could see into someone's window before they opened their windows and pulled their curtains

well before they were off to work. And then just kind of like hung in their room. I'd do that last minute in case somebody drove past and saw me. Oh, no, I always get the, oh, yeah, I'd pull them after I got changed. Yeah. Oh, no, they were changed. I don't want to make it sound

like we're peeping Toms. Sleepwear. Yeah. Do you forget? Six weeks, that's what that level four lockdown ended up being, eh? Yeah.

About six weeks. I proposed for, turned into six. Crazy times, thinking back on it. Yeah, and in the last year with lockdowns here and all over the world, there's been

something new that's happened, a change that's happened in the fashion world. Sort of somebody has taken the mantle of active wear. Active wear was not used for active purposes all the time. It was very comfortable. Someone else has taken the mantle.

We'll talk about it next. Why? Why? You're just, you're a mess today. I'm not on board with what we're about to talk about. You sound like a grumpy old mate. Great start. So it turns out with a whole year of pandemic

around the world, there's been a change in fashion. Yeah. The Washington Post dubbed it our pajama moment. Apparently pajamas are the new active wear because you could wear active wear when you weren't doing active stuff. You could lounge in your active wear. And now they're saying that mantle has been passed to pajamas as you can now do all the stuff you were doing in active wear, bar the exercise, in pyjamas instead.

Like, if you could go to brunch, you could go in pyjamas. Something that would be traditionally pyjamas. Yeah, I mean, you're talking nice pyjamas. You're not talking, like, warehouse or came out pyjamas, are you? You're talking, like, your Peter Alexanders or some nice... Executive Intern Anya, would you brunch in pyjamas? Absolutely. You would?

I would. In public? Yes. Brunch in pyjamas? Yes, because linen is all the rage at the moment, from what I understand, in the fashion circles. Right. So things like the Lullaby Club have these beautiful linen sets,

which, you know, you could wear to brunch or you could wear to bed. And that's the sort of versatile clothing we need. The Lullaby Club. This is not a paid endorsement for the Lullaby Club. But there's a difference. There's a difference because I'm seeing some linen stuff here. There's a difference between the pyjamas and the linen outfit though. So this

is Rihanna in pyjamas. How would you describe those? They're not pyjamas. That's like a satin. Yeah, it's like a slip. It's a satin slip. Right. Would you wear that out in public? I would because I like that she's put necklaces on it as well. She's fashioned it up a bit. Yeah.

But then she's wearing like kind of vans or something. I'm into it. Like flat shoes. It's a bit weird. Okay. But then if anything, like if we've learnt anything over the last year, it's that bras are out, comfort's in.

Yep. Because we did run a poll. How would you describe that night wear? That's a satin button up. That's full blown long jammies. Long sleeve and long pants. That's probably satin button-up. That's full-blown long jammies. Long sleeve and long pants. That's probably a no from me. Okay, and a lot of people did agree on our poll on Instagram,

84% saying that those long satin pyjamas, no. Rihanna's outfit, only 21% of people finding that. I think it's kind of chic. It's acceptable. It's also Rihanna, like, I've fallen into this trap before. You see a good-looking celebrity do something, you think, I could do that. You try.

Like, should not have even thought about it. Shouldn't have tried. Because you're not Rihanna. No, you're not. She's got that X factor. She's attractive. She's rich. Like, for example, Harry Styles could go out wearing...

Oh, my God. Anything he wanted. Anything. And he does. And he looks amazing in everything. He could wear a potato sack. Yeah. Couldn't he?

And for some reason it would flow off his shoulders and make him look like some sort of potato god. You know? Yeah. That's just what he's been gifted.

That's his gift as well. Whereas if you did that you'd probably be arrested. I would. I think it would scratch on me. I'd be wildly irritated by the hessian.

Yeah. I couldn't stop smelling it and freaking out that everybody else could smell the hessian. Yeah. I couldn't stop smelling it and freaking out that everybody else could smell the hessian. Yeah. And then depending, did you say potatoes?

Yeah. So it'd have like a bit of dirt in it. Yeah. It's not a hot lock, is it? I wouldn't carry it with any confidence and it would all be

downhill from there. See, that's what the difference is. Yeah, right. Between me and Harry Styles. That's the only difference. The only markable difference. That's it. Just the one big difference. Right. Well, there you go. Yeah, right. Between me and Harry Styles. That's the only difference. The only markable difference. That's it.

Just the one big difference. Right. Well, there you go. Well, apparently pyjamas, nightwear is now the new activewear. But not really according to our votes. Not New Zealand. Not yet.

No. But, I mean, you know, that's what everybody said about activewear, wasn't it? Mm-hmm. And then all of a sudden that became... And then everybody fell into the trap. Yeah, but do you think they'll make pyjamas said about active wear, wasn't it? And then all of a sudden that became... And then everybody fell into the trap. Do you think they'll make pyjamas

and nightwear more active wear-ish, so people do wear it out? I reckon definitely more outerwear, but I mean, no one's picking up pyjamas that say like oh yes, Sunday snooze or you know, like the slogan pyjamas be like, that's fashion, wear that to the cafe.

Right. You're more talking like lounging. No. I'm not talking like if it's got like a donut print or, you know, several little cute dogs. Yeah, right. But Richard Branson's been wearing a linen outfit for years, hasn't he? He's a fashion pioneer. Sir Richard, yes.

Flesh, Vaughan and Megan, the podcast, ZM. Story online, someone put their opinions online, so everybody's mowing into them. I think that's just how the internet works. That's the internet in a nutshell. Someone had an opinion. Everybody else got stuck in. Yeah. Apart from those few who agreed with them but didn't want to publicly

because they didn't want to get mowed down either. But a woman is talking about how her and her husband, and they must have a kid because they mentioned childcare payments. Okay. They keep their finances completely separate. And because they mentioned childcare payments. Okay. They keep their finances completely separate. And they're together. Yeah.

Okay. But she said whilst it wasn't a secret, like their money's not a secret, she had a little slush fund that she was contributing to. Okay. And she'd forego things that he wanted to buy or pay for because it would affect her slush fund slushiness. Right. You want a slushy slush fund.

Yeah, you want a slushy slush fund. So she had a slush fund. He said he didn't have a slush fund. And then one day when she didn't want to chip in for something or pay for something or do something because of the cost, he worked out how much money she earned and how much money was. I don't know exactly how he did it. How did he do that? I don't

know. Maybe from clues he'd got? Or he saw like how much he got paid one payday? Yeah. And then worked out like... And worked out that she had a slush fund. Yeah, right. He figured out her finances. I mean, this is the sort of, you know, hiding from your partner that makes for

a successful relationship. Yeah. That foundation of always learning something about your partner when you find it out by snooping into their lives. Yeah. But so she had like secret, is it an escape fund? She doesn't call it that. Yeah, but you hear people do do that. They're like, well, you know, if this relationship ends,

I just want some money so I can start fresh somewhere. Or go live in Australia. They, by the sounds of it have um a kid child care yeah and they're putting aside money for a wedding and mortgage and bills so and your escape fund's gonna need to be big because you're gonna need to go somewhere where you cannot be found because what what did you when did you and your now wife start a joint account i can't exactly remember i think it's when we decided when when we got engaged, I think, and when we decided to start saving for a house.

Right. That was when we kind of pulled our resources. I always find it weird when people have been together forever and they're like, oh no, we've just got our own separate accounts. Yeah. I'm just like,

but what about one account at least for like all the bills and stuff? Yeah, some people do that. And then they're like, oh, some people, we pay for this and they pay for that. I'm just like, that's weird. I don't know.

Executive intern, aren't you? What about you and Mr Bun Buns, your boyfriend? So we've been together for five years, and I'd say about probably a year in, we got a joint account just to pay for date nights and holidays because we both didn't really like doing turnabout. You got sick of him saying, you owe me $15 for dinner. Can you transfer me?

Yeah. So every payday, would you automatically put some money into that account? Yeah, I think we chucked like 50 bucks a week in or something. And then, yeah, that's our like fund together. And now as we have gotten older, we're saving for a house at the moment, which we'll be doing for the next 24 years. So we're just contributing. Well, it was 26 before the government announcement this week.

Yeah. So that's good. That's come down too. But it probably will go back up to 26 because your rent is probably going to get increased as well. So ebbs and flows. So 26. Okay.

So yeah, so we contribute a set amount into this account together, but then we have our own day-to-day stuff, like to spend our own money how we choose. Right. So because you do a bit of online shopping on the down low. I do. And so you can get away with that. Yeah. Okay.

And like, it's a thing. He's very into cars and will blow his money on tyres and bits and bobs. So I am pretty into Mecca and can spend that how I choose. Have you ever thought if he's got a secret fund for like an engagement ring? Yeah, have you given it thought? It's crossed my mind. Right, because your finances aren't completely intertwined. He could be siphoning off 10 bucks here and there.

Right, what about you when you had to propose? Yeah, I... You had to siphon money off. I had to siphon. But then the engagement ring was just before we kind of really merged finances. But yeah,

I was just siphoning off. Yeah, right. Doing a sneaky siphon. And like, you know, when people say they go to the supermarket and they get cash out at the end of it,

so it just looks like an expensive supermarket shop, but they've got a Hyundai cash now to play with. Oh, yeah, I knew someone that did that, but they were buying drugs, not an engagement ring.

Oh, really? And their partner had new own deal. Oh, yeah, I knew someone that did that, but they were buying drugs, not an engagement. Oh, really? And their partner had new own deal. Oh, really? That's quite sad, actually. It's not a funny. Did they have the receipts? Drug dealers do receipts. Do drug dealers have a little receipt book?

But if their girlfriend had looked at the internet banking, it was just like $120 instead of $100. Yeah, yeah, right. So it all just came through as a supermarket. Yeah, sure. So they could get away with that. But, yeah, right. So it all just came through as a supermarket. Yeah, sure. So they could get away with that. But yeah, we wanted to ask this morning. I like that this fairly casual conversation

has definitely sparked some people's, like, interest in their partner's finances now. I know, like, yeah, what are they spending the money on? We want to ask this morning, 0800 DARS at M and 9696, do you keep money or a certain portion of money or an account secret from your partner, whether it's for online shopping, whether it's because you're trying to save up to surprise them with something. Maybe it's an engagement ring or a holiday or whatever. Well, that's the thing.

If you want to surprise them, you've got to. Or maybe you're surprising them with an escape fund and then you're leaving them. Surprise? Yeah. Or maybe you just earn way more money and they don't know how much money you earn. And so you're leaving them. Surprise. Yeah. Or maybe you just earn way more money and they don't know how much money you earn. And so you're keeping that. That would be weird,

not knowing how much money your partner earns. But do you remember we've talked about this, some guys get really weird about their partners earning more than them. Yeah, which I find that weird. That blew my mind because wouldn't you just want all the money you could in your relationship?

You'd be like, sweet, she earns more than me, I'm happy with that. Yeah. But do you remember we've talked about that and it blew us all away at the time. Yeah. But maybe there are women out there that earn so much they just hide it from their boyfriend or partner so that they don't feel bad. A lawyer who specialises in deceased estates has messaged.

What a fascinating job. You'd be surprised how many deceased clients have separate bank accounts or credit cards that their partner or spouse had absolutely no idea about. And then they die and then they're like, oh my god, Roger had $100,000 in an account, but he also had $100,000 on credit cards. So, we're

back to square one with Roger's money. But then, what was Roger doing with all that money? Roger. Like, who is he spending that on? Not his wife. who was he spending that on? Not his wife. Other people. Roger's little friends. We have absolutely sullied fictitious Roger's character.

He's dead now. He's not even here to defend himself. But you can't defame a dead person. Can't you? That's actually a fact, yeah. That's a law thing. Well, suck it, Roger. Yeah. He was a terrible, creepy man. That's a law thing. Well, suck it, Roger. Yeah. He was a terrible,

creepy man. He was a bad husband. And he gaslit her when she would hit him up about it. Yeah. God damn it, Roger. I'm glad he's dead.

I'll say it. He doesn't exist. Roger doesn't exist. Okay, yeah. Thank God. Thank God. Because I would have had to kill him

after what he did. Can you be done for a death threat against a dead person? A fictitious dead person? I think you can. Can you? You're cancelled. Well, I'll take it back. I'll talk to my lawyer, the deceased estate lawyer,

on how best to deal with that. Right. Somebody said, six years ago, my wife and I split some of the gift money from our wedding. I purchased bonus bonds What she does not know Is I won a million dollars That's not true

What? That's a lie No That's gotta be a lie People won They did a million dollar draw Like every month or two Yeah I know

Well that was the idea I never saw a million dollars Can that person text in And say actually legit I did win And like screenshot Their bank account But then how are you

Keeping a million dollars secret? Because you had to get all your bonus bonds shut down now. You had to withdraw your cash. But you could ask it to go onto another account. She'd have no idea. But who's sitting on a million bucks? And how do you not tell your partner? You mustn't like them totally, eh? If you won a million dollars and you didn't tell your partner. There's a bit of you that's like, I do maybe want out a little bit. But then how long ago did this happen? Oh, I need to know more details about that. That's fascinating. Ange has called up. Ange, are you secretly hiding money from your husband? I am. Are we allowed to ask how much, Ange? Is that a personal question? I've got nearly $2,000

at the moment. Okay. And what are you hiding this away from him for? What are you planning with this money? To get a passport so I can send him to Australia because his mum's over there and he's never met her. So this is a surprise. Yeah, but if I have it in my account and he can see it, it's gone within days. So I can't have him be like...

Yeah, because we tried to save it together and it just never worked. We've been together for eight years, married for four. Wow. So I said to him,

oh, well, we'll just leave it for a bit and then we'll maybe come back to it like in a few years time and he has no idea that I just started being.

How are you going to get a passport without him knowing something's up? Through his mum in Australia. Okay, right, yeah. You can just get one without him knowing. Yeah, because she's just a maternal mother.

Right, and you could be like, I just need to take a photo of you, but don't smile and wipe your fringe out of your face and look directly at the camera and have no shadows in the background. That's going to be a nice surprise. Thanks, you call Ange. Kelsey has called in. Kelsey, you and your partner, you've got different bank accounts? Yeah, we're totally separate in all our accounts.

We've been married for a couple of years. Okay. I don't even know exactly how much he earns. I do know I earn more, like significantly more than him. And I've got my own savings account. Right. But you don't have a joint account for anything? Like, do you just pay all the bills out of one account or something?

No. Well, he pays me some, and then the bills come out of my account. Wow. Okay. Okay. So you're just like, oh, bills this month come to $200, flick us $100, and I'll pay the bills? Yeah. Yeah, exactly. Okay. So you're just like, oh, bills this month come to $200, flick us $100 and I'll pay the bills. Yeah, yeah, exactly.

Wow. And does he not want to know how much you earn? Well, he hasn't asked. Right. You're married and he's never asked how much money you earn. I mean, I think he knows the roundabout number, but not exactly. Oh, my God. Do you think that would, because we talked before,

there are some men that find that intimidating when the woman earns more in the relationship. Do you think that would upset him or he wouldn't care? I don't think he'd care, to be honest. But he's just never known. Be my sugar mama and buy me treats. I've got no problem with it mama and buy me treats. Yeah. Exactly. I've got no problem with it.

Kelsey, thanks for your call. Abby, you nannied for a couple. And what happened there? Were they secretly saving money? Yeah. So the wife was actually a high up. She was actually a partner in an accounting firm over there. He didn't know anything about her finances.

She split up with him on their 10-year wedding anniversary, and it came out that she was making over £800,000 a year, and that's before bonuses or anything, over £800,000 a year. And she had been having, that's before bonuses or anything. And then she'd been having a three-year affair with a younger guy and had bought him a house just down the road from where they live.

What? And so what, she'd go and meet him at the house? Yeah. And he had no idea? No idea, no. so how did it all come out how did you find out did he find out about it after the divorce um yeah he just slowly found like yeah he found out about his her finances through the divorce because she had to disclose it then but before that anything like out of it like he obviously knew that she was loaded because she had to disclose it then. But before that... Did he get anything out of it? He obviously knew that she was loaded

because she was the partner of a massive accounting firm. Wow. But just all that time, there was a secret house for her lover and all this money he had no idea about. That's mind-blowing, isn't it? Abby, thanks. You call some text messages. Somebody said

that they've been married for 30 years and still have separate bank accounts. Somebody else said, I do all my savings in cash because I'm a bit weird. And if I can see it, it means more if I've got physical money. Yeah, that's what they say is a good tip to saving. You withdraw, say you give yourself a little allowance for coffees and whatever every week.

You can see it going down, so you're less likely to spend it. Yeah, exactly. So it's not necessarily a secret, but I also don't tell my partner about it. She went into my bed, so I drew her to grab something the other day and just found this massive wad of cash. She's like, are you a drug dealer? That's what. She wanted to know what the deal was.

And then because I was flustered and saying, I don't remember a single thing, I said, okay. It just seemed like a lie. Yeah. My husband and I don't mix finances at all. We both pay for rent or whatever, but the two shall never mix. Wow. I earn close to $80,000 more than him, so I'm happy not to bruise his ego.

But isn't that bad? He ain't worried about bruising your ego. You're doing well. Yeah, like you say, buy me presents. Yeah. Lots of presents. My ex-husband earns thousands more than he declares. This sounds like a text for the IRD.

When we separated, there would have been 30,000 plus in cash just for him from cash jobs. Wow. Yeah. That does sound like the IRD. Someone said, my dad's a cop. Growing up, he taught us the importance of an escape fund in case we ever found ourselves in a bad relationship. I haven't had that problem as I'm still single, but I still have my escape fund. But if you're single and it's an escape fund, is that technically just a holiday account?

Yeah, it is. Yeah, escape from yourself. Yeah. ZM's Fletch, Vaughan and Megan, the podcast. Fact of the day, day, day, Tay, Tay. Today's fact of the day is foxes. Yep. Foxes, they're cute little doggy things.

Were conducting satanic rituals in the UK. Okay. That's today's fact of the day. Because they just wander around the UK, don't they? Yeah, there's lots of rituals in the UK. Okay. That's today's... Because they just wander around the UK, don't they? Yeah, there's lots of them in the UK. Melbourne has foxes. Huge amounts of urban foxes in Melbourne. Australia, they were introduced to Australia by British, like, classic colonialism.

Hey, you know what you guys need? Foxes. An animal that isn't even out of control, is out of control at home. We thought we'd bring it here to an even more thriving environment where it's got more stuff to eat and sort of like

no natural predators and they'll just go crazy how about that oh that doesn't sound like a good idea it's too late we've already said that it's too late

we've done it and here's all these criminals yeah thanks Britain that's how that's going to roll so there was actually it was like quite a grim story in 2015

people were reporting their cats going missing. Oh, Vaughan. Oh, Carl. Vaughan. Vaughan. It was literally International Cat Day yesterday. It was International Love Your Cat Day. Yeah.

That's right, it was. Well, people do love their cats and they were reporting them missing and when the bodies of the cats were found, they weren't in great nick. Okay. But they were described as very clean. Okay. And so people described as very clean. Okay.

Like, and so people, there was an investigation. Scotland Yard even got involved. Really? Because they thought it might have been the start of a satanic ritual. Yeah, right. A ritual. The police investigation was known as Operation Tarkahe. Now, it's about the same as the native New Zealand bird,

but I don't know where they got the name from, so I don't think so. There was a $10,000 reward leading to the capture of the person or persons, the organisation that were abducting these cats and killing them and then leaving their bodies places. And they believed it to be satanic rituals. Well, after three years of postmortems and investigations, forensic examinations, DNA

tests, and studying of CCTV, Scotland Yard announced it was just foxes. Okay, right. It was like tens of thousands of man hours. Really? Human working hours. And it was just foxes. Oh. Contributed to this, and they thought it was really bad.

You know Martin Clunes? He was in Men Behaving Badly, but he was also in that show Mum and Dad Like. It's one of those British shows about a doctor, and he's a grumpy doctor. I bet your executive intern, Anya, knows it. You know it, don't you? Because you love watching. Dr. Martin. Dr. Martin?

Yep. You love watching Boomer TV. Yeah. It was pretty on after. Packed with the rafters. Packed with the rafters. Packed to the rafters. That's a great show. 800 words.

Yeah. And you loved McLeod's Daughters, didn't you? Oh, yeah. Yeah, she did. So he actually even wrote this open letter that got published in the paper saying that the safety of the entire community depends on catching these humans. And there was a bit of a scare about like satanic ritual. And it turned out it was just foxes.

Doing what foxes do. Doing what foxes do. Eating things that they can catch and then eat. So not satanic rituals. So today's fact of the day was in South London in 2015, a three-year investigation led police and Scott Liard to believe that it was indeed foxes that were undertaking satanic rituals. Fact of the day, day, day, day, day.

In Christchurch, right now, there is somebody out there Do, do, do, do, do, do. Flesh, Vaughan and Megan, the podcast. ZM. In Christchurch, right now, there is somebody out there that has won $5.2 million and doesn't know it because they haven't come forward and claimed it. Right. It's been a while since they've won it. Now, somebody won $4.2 million in a lotto last night from Northland,

but the Christchurch prize... Was from Horn the Christchurch prize was from Hornby Mall. Yeah, Hornby Mall. So if you know of somebody that bought a lotto ticket, or maybe you did, you could be walking around. Does it blow your mind that someone has a ticket out there that could just be sitting in a glove box or crumpled up in someone's wallet or purse or handbag? Nah. Because I reckon if I ever won Lotto,

I wouldn't know about it until six months later. I'd find it. I'd be like, oh. And then I'd scan it and be like, you won. Why have you been sitting on this? I'd be like, oh. Don't know. But surely if there was news and it was like your local Lotto store

had an unclaimed, wouldn't you be like, quick check? Yeah, I reckon you could probably just. There'd be a way of slipping through the, slipping past the radar of like like, getting all the news that there's an unclaimed lotto ticket, because, like, this is the first I've heard of it. And maybe they're not huge news consumers or... Yeah.

It might be lost. I'm just looking at the areas around the Hornby Mall where it could have happened, where someone could be sitting there. You've got your Wigrams, you've got your Templetons. Yeah, so someone out there hasn't cashed it in, and yeah, they're $5 million richer. So I just Googled, how many lotto tickets go unclaimed?

New Zealand Lottery's prize reserve fund, which includes money from unclaimed prizes when the tickets have expired, stands at $48 million. And approximately 2% of lottery prizes are unclaimed in any year. Can I have it? Because I've bought tickets and never won. Yeah, it should be like free parking, a monopoly. All that money's in the middle.

Yeah. And then every week when someone doesn't win, you just get a dollar or something. If it's the reserves and it's done and the tickets have expired, they should do like a treasure hunt. Oh my God, yes. They should do like a series of cool treasure hunts. But could you imagine how

rabid people would get? Rabid? Rabid? Rabid. It's like they've got rabies. How rabid they would get if there was 48 million. Rabid is how you describe an angry Toyota RAV4 driver. That person's rabid. But could you imagine how rabid people would

go if there was 48 million million in a chest somewhere? Yeah, but it doesn't even need to be $48. It could be like $10 million. Yeah. And they get one person in charge of the clues, and it would be like secret sound except a treasure hunt. Well, it's like that's happened in America. Yeah, that was awesome.

That one that was finally found after decades. It was hidden in the mountains somewhere. I love that stuff. And people died trying to find that. I mean, I'm not encouraging any treasure hunt. I don't think NZ Lotteries needs that on their watch if you did, people.

But yeah, if you know anybody in Hornby that hasn't checked a ticket, that could be $5 million richer. If you enjoyed this podcast, why not give ZM's free and clean to listen to? Subscribe on the iHeartRadio app or wherever you get your podcasts. Hit music lives here. ZM.