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360 Money MattersHow to Set-up 2023Welcome back to another episode of the 360 Money Matters Podcast! It’s another year, another chapter of our lives, and another opportunity for new goals. One of the goals that we should be considering and looking forward to in 2023 is our financial goals and how we manage them. In this episode, we talk about what you need to do in 2023, to set yourself up financially. With inflation increasing and everything that is happening in the investment market and the economy, we give you tips that could help you get off to a great start in 2023!...2023-01-2422 min360 Money MattersThe Real Estate MarketWelcome back to another episode of the 360 Money Matters Podcast! The Real Estate Market is something that is usually always a talking point. However, at this moment in time, there is even more chatter than usual! In this episode, we discuss the real estate market with Golan Flamm, one of the top-rated real estate agents in Australia and one of the Directors at Hodges Caulfield. In this episode, we talk about all things Real Estate. We will discuss the current market and what has been happening with prices/ demand as well as some t...2023-01-1726 min360 Money MattersRent Where You Live & Buy Investment PropertiesWelcome back to another episode of the 360 Money Matters Podcast! Rentvesting has been growing in popularity lately as investors are being more savvy in their investments. In this episode, we will dive deep on rentvesting, its benefits, disadvantages, and things to consider if you are looking at this option. Listen to this episode to learn more about renting where you live and buying investment properties at the same time. – This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any...2022-12-2022 min360 Money MattersThings You Should Know Before You RefinanceWelcome back to another episode of the 360 Money Matters Podcast! Amidst rising interest rates, refinancing seems to be a good move to decrease your mortgage. But is it really all it’s cracked up to be? What is the great refining trap? Have a listen to find out!! In this episode, we discuss the things you need to know before you consider refinancing. We’ll give you tips on how to decrease your home loan payments while still ensuring you pay off your loan term in the right time frame. We will also share some...2022-12-1327 min360 Money MattersHow To Invest During A Market DownturnWelcome back to another episode of the 360 Money Matters Podcast! When investment markets are volatile, changing your investment strategy can become a tempting option that is usually driven by fear or greed. . In this episode, we talk about how to invest when markets are volatile. It is the nature of the market to go up and down, so if you are tempted to sell your assets, you need to listen to this podcast! We share some strategies and things to consider in terms of putting your money towards investments and how important it is to s...2022-12-0623 min360 Money MattersHow To Minimise Christmas SpendWelcome back to another episode of the 360 Money Matter Podcast! In this week's podcast, we show you how to keep your Christmas spending under control so you don’t have a post-Christmas Financial hangover!!. With inflation rising, the Christmas spend will no doubt hit harder this year so we go through some tips and tricks to make sure that you can make the most out of your Christmas spend without it impacting your financial position too much. We’ll give you ideas on the do’s and don’ts so you can enjoy the holidays without...2022-11-2920 min360 Money Matters50 30 20 RuleWelcome back to another episode of the 360 Money Matter Podcast! With the cost of living and interest rates skyrocketing, we need to strategically manage our cash flow and try to keep a lid on expenses. The 50/30/20 rule of thumb is a way to allocate your budget according to three categories: needs, wants, and financial goals. It’s not a hard-and-fast rule but rather a rough guideline to help you build a financially sound budget. To better understand how to apply the rule, how it works, and its limitations, tune in to this episode. ...2022-11-2216 min360 Money MattersShould I Make Additional Mortgage Repayments or InvestWelcome back to another episode of the 360 Money Matter Podcast! If you have a surplus of money, what should you do? Pay off your mortgage or invest? Both can provide attractive options to help facilitate your wealth creation and retirement goals and each option has its benefits. Today, we will talk about the things to consider when deciding on if you should pay down your mortgage or invest in the market. When helping formulate a strategy, we will frequently examine; the rate of interest, whether the mortgage is investment or owner occupied, current market circumstances a...2022-11-1521 min360 Money MattersEthical InvestingWelcome back to another episode of the 360 Money Matter Podcast! When talking about investments, our goal is to always get a good return. But when we invest ethically, investing becomes more than just getting a good ROI, but it is more on giving to others and to the world. With all the concerns our society is facing today, especially on environmental issues, people are inspired to contribute in solving these problems. Everyone wants to make the world a better, more sustainable place. One way to contribute to this cause is through making ethical investments into co...2022-11-0817 min360 Money MattersFederal BudgetWelcome back to another episode of the 360 Money Matter Podcast! October 25 saw the new federal government release their budget, and in this episode we’re telling you everything you need to know about it. We’ll be discussing the outcomes of the budget, who is impacted and what to expect. Overall, we view the budget to be quite positive, as most of it aims to deliver support where it is needed in our economy. It’s a well balanced budget Jim Calmers hands down his fist budget as treasurer of Australia. Our goal is to i...2022-11-0121 min360 Money MattersNegatively GearingWelcome back to another episode of the 360 Money Matter Podcast! Negative gearing is a strategy and concept that we have all probably heard of at some point. In this episode, we will examine this concept, discuss the strategy and help you make an informed decision if this is right for you. At surface level, negative gearing can give you great benefits such as accumulating assets to build wealth, and obtain a tax deduction. We’re diving deep in this episode to show you what’s beyond the surface of this well-known, tax-effective strategy that people will usually reso...2022-10-2523 min360 Money MattersHow Much Money Do You Need In RetirementWelcome back to another episode of the 360 Money Matter Podcast! In our experience as financial advisors, we’ve heard people often say “I need 1 Million Dollars to retire”. Well today, we’re here to give you a clear answer on what you actually need in order to prepare for your retirement. How much money do you need in retirement? The short answer, you need as much as you can get! Going into detail, it actually depends on your personal circumstances, your lifestyle, and ultimately, the retirement life you want to live. Know where you want to go first, befo...2022-10-1825 min360 Money MattersInterest Rate RisesWelcome back to another episode of the 360 Money Matter Podcast! For today's episode we will be discussing with you the RBA (Reserve Bank of Australia) increasing interest rates, the effect of it on those of us that have a mortgage and what are some of the things you can do to position yourself. So tune in now to get some ideas and strategies on how you can manage this. This is a key time to examine your expenses and cash flow, create a budgeting plan, and implement many more timely things that can be effectively used in t...2022-10-1123 min360 Money MattersHow to Navigate Through RecessionWelcome back to another episode of the 360 Money Matter Podcast! In the previous episode, we shared the differences between passive and active investments. In this episode, we discuss what a recession is, how to prepare for one, and tips to help you get through it with as little financial impact as possible. With a recession and slowing GDP, your cash flow and budget are especially important during periods of negative economic growth. If you have a tight cash flow position, a recession will exacerbate the problem. How will that affect you and your family? Make sur...2022-10-0420 min360 Money MattersPassive vs Active InvestmentsWelcome back to another episode of the 360 Money Matter Podcast! For today’s episode, we’re mixing things up a bit and Billy and Andrew go head to head in a debate on what is a better investment approach: passive or active investments. On the topic of investments, the first thing that usually comes to mind is the word “money”. However, investing is more than just the funds you put in. It also requires you to invest time, effort, knowledge, and attention in managing your investments. Sounds easy right….. As long as you know which investments to choose. ...2022-09-2725 min360 Money MattersPassive vs Active InvestmentsWelcome back to another episode of the 360 Money Matter Podcast! For today’s episode, we’re mixing things up a bit and Billy and Andrew go head to head in a debate on what is a better investment approach: passive or active investments. On the topic of investments, the first thing that usually comes to mind is the word “money”. However, investing is more than just the funds you put in. It also requires you to invest time, effort, knowledge, and attention in managing your investments. Sounds easy right….. As long as you know which investments to choose. ...2022-09-2725 min360 Money MattersCash Flow and Budgeting PlanWelcome back to another episode of the 360 Money Matter Podcast! In the previous episode, we gave you updates on the investment market and the factors affecting it. In this episode, we’ll be sharing proven strategies to help you develop your cash flow management and budget strategy skills. It all begins with being realistic about your financial situation and expectations. From there, you’ll be able to clearly see your income and expenses and reflect on how you can improve the way you handle your finances. We will talk about strategies such as setting a realistic budget, the b...2022-09-2029 min360 Money MattersInvestment Market UpdateWelcome back to another episode of the 360 Money Matter Podcast! Investment markets have been moving so rapidly in the last few months, we figured it would be important to highlight some of the key takeaways. In today’s episode, we’ll be sharing a quick and accurate rundown of what’s happening in the Australian and World Markets.. Beginning with the inflation, the property market, possibility of recession in the US and the status of the stock market. All these sectors have an impact on your finances & investments and can influence your strategy and investment. Amidst...2022-09-1326 min360 Money MattersLender’s Mortgage Insurance; To Pay or Not To PayWelcome back to another episode of the 360 Money Matter Podcast! Lender’s Mortgage Insurance - To pay or not to pay, that is the question. Apart from the loan you take out, there is a Lender’s Mortgage Insurance (LMI) included when the bank has to lend more than 80% of the property’s total value. However, this insurance premium doesn’t benefit the borrower but only serves as a safety blanket for the lender. While this can seem like an unnecessary cost and simply waiting to save more money may seem like the most appropriate answer, th...2022-09-0625 min360 Money MattersOwnership StructuresWelcome back to another episode of the 360 Money Matter Podcast! Assets are the modern-day version of treasures. In order to take care of your treasure, you’d have to pick the most suitable and safe structure you could store it in. Before choosing where to place your assets, there are key things you must take into consideration. We want to put emphasis on choosing the right ownership structure for your assets right at the start. This will help you maximize how you handle your assets. In this episode, we’re sharing with you the importance of plan...2022-08-3026 min360 Money Matters52. Asset Rich, Cash PoorWelcome back to another episode of the 360 Money Matter Podcast! One of the most common misconceptions in financial planning is the separation of the assets from cash flow. We often deal with the resistance of people when it comes to converting their assets into income. While we understand the emotional attachment to the asset, especially when it comes to property, producing income to support your lifestyle is one of the most important things to enhance the quality of your life. We work with our clients to navigate these issues and make decisions that make them f...2022-08-2321 min360 Money MattersInvesting: Start Early to SucceedWelcome back to another episode of the 360 Money Matter Podcast! When will you know you’re ready to begin investing? Many people believe that investing requires a large sum of money and that it would take years to save a sizable amount in order to start investing. This mindset on investing is very far from the truth. The key to successful investing is to begin early, stay invested and invest for the long term. Today’s episode is all about getting started with investing, the benefits and tips of starting early, and the power of compo...2022-08-1623 min360 Money MattersThe Buy-Sell AgreementWelcome back to another episode of the 360 Money Matter Podcast! In today’s podcast, we talk about buy/sell arrangements and how business partners can protect their business interests in the event of death or permanent disability. These events could be unpredictable and thus require advanced planning. With the example of our partnership, we are going to walk you through what the Buy/Sell Agreement is all about, who is involved, what health considerations should be taken in the underwriting of the contract, ownership structures and valuation methodology. If you are planni...2022-08-0218 min360 Money MattersCapital Guaranteed ProductsWelcome back to another episode of the 360 Money Matter Podcast! Usually, when we prepare to invest, we’re also prepared to potentially lose our money if we don’t tread carefully. But did you know there are options that are available with zero risk? They’ve been around for a while now and aren’t new to the market– They’re not for everyone, however, they can form a hugely beneficial part of an investment strategy. If you are willing to lock away your money for a certain number of years, this is definitely an option to look into! ...2022-07-2622 min360 Money MattersShould I Buy Property Now?Welcome back to another episode of the 360 Money Matter Podcast! As the world and Australia feel the impact of inflation and rising prices, it raises the question; is it the right time to invest in property? In this episode, we really wanted to emphasize that when you begin investing in such a large scale asset, you need to work within your means and really assess the affordability - even if things don’t go to plan. Make sure that property is the right thing to be investing in with regards to your circumstances at the tim...2022-07-1925 min360 Money MattersInvestment Mistakes to AvoidWelcome back to another episode of the 360 Money Matter Podcast! Making mistakes is just an unfortunate by-product of investing and something that anyone who has participated in financial markets has experienced. We will share some of the missteps that we have made in the past or have seen our clients make and how you can avoid this. In this episode, we wanted to sit down and talk about common mistakes we see daily in the financial management space. Be it sticking to a timeframe or filtering sensationalization of media, there are many takeaways in this c...2022-07-1223 min360 Money MattersExtra Mortgage Repayments or Extra Super Repayments?Welcome back to another episode of the 360 Money Matter Podcast! Do you have excess cash flow, or maybe a surplus of cash right now? While there are many different ways to go about using that excess, one of the most common questions we get would be should I pay my debts or should I pay into superannuation? And while there’s no definitive all-answer to that question, we really wanted to dive into the different options available and some of the pros and cons that can help you in deciding what may be best for you...2022-07-0519 min360 Money MattersWhat’s Happening in Investment Markets?Welcome back to another episode of the 360 Money Matter Podcast! With a lot of talk going around about investment markets, we really wanted to clear the fog and really sift through some of the noise to get to the crux of what’s happening, what’s causing it, and what you can do in this market. Unemployment is currently at low levels and inflation is continuing to ramp up. Mortgage stress is starting to become a concern with interest rates that are rising so that central banks can combat inflation. Combining this increased mortgage cost with...2022-06-2827 min360 Money MattersTax Savings: A Client ScenarioWelcome back to another episode of the 360 Mother Matter Podcast! We have recently spoken about superannuation, death taxes, and some changes to superannuation rules. Today we put this all together in a scenario for a client. In this particular scenario, our client is 65 and still working. What we’re able to do for this client was convert his entire superannuation to ‘tax-free’ as well as reduce his income tax by $10,000 over the course of the financial year! So if you are in a similar situation or someone you know is– be sure to sti...2022-06-2119 min360 Money MattersSaving on TaxesWelcome back to another episode of the Money Matters Podcast! With the end of the tax year approaching, the mad rush on planning for your end of financial year is upon us! Today we will guide your through some ideas you can look at to make the most of these last couple of weeks. Whether it’s setting aside surplus cash for superannuation, or paying off larger deductible expenses for this year instead of the next, there is definitely some money to be saved and invested for your future that can not only improve your tax...2022-06-1425 min360 Money MattersIncome ProtectionWelcome back to another episode of the Money Matters Podcast! Today’s podcast is all about making sure that we are protecting the greatest asset that you will likely ever have; your ability to generate income. That is where Income Protection comes in, designed to eliminate or offset the risks that come with losing your source of income or your job due to injury or illness. While it is and sounds important; a lot of the people we have worked with have thought about it but haven’t taken action to put this into place. We wi...2022-06-0728 min360 Money MattersSelf Managed Superfunds (SMSF)Welcome back to another episode of the Money Matters Podcast! After our last episode, we hope by now you have a better grasp of superannuation– because today we want to talk about Self-Managed Superfunds. While superannuation in its most basic form is a trust, with its own preservation rules and tax environment, SMSFs are not any different with the exception of a few small intricacies. The important takeaway from a Self Managed Superfund is that it is what the name suggests “Self Managed”. While this can carry its own risks, costs and management burden, it also ha...2022-05-3126 min360 Money MattersBuilding Wealth with Irregular CashflowHello and welcome back to the 360 Money Matters podcast! For many people income is not as simple as earning a regular salary. For many that earn commissions, are self employed or do seasonal work, income can be sporadic and irregular. While credit is a simple method of managing this cashflow, this can have many detrimental implications moving forward. In this episode, we’ll be discussing how you can best allocate, save, and maximise your money with inconsistent income. No matter if you’re a seasonal worker or work on commission, we will share the tips, hints...2022-04-1925 min360 Money MattersBuilding Wealth with Irregular CashflowHello and welcome back to the 360 Money Matters podcast! For many people income is not as simple as earning a regular salary. For many that earn commissions, are self employed or do seasonal work, income can be sporadic and irregular. While credit is a simple method of managing this cashflow, this can have many detrimental implications moving forward. In this episode, we’ll be discussing how you can best allocate, save, and maximise your money with inconsistent income. No matter if you’re a seasonal worker or work on commission, we will share the tips, hints...2022-04-1925 min360 Money MattersEquityHello and welcome back to the 360 Money Matters podcast! If you’re tuning in, chances are you’re interested in investing and creating wealth– one such method to increase your wealth is through property investment. When the property increases in value beyond what we have as a loan, this is what we can call ‘equity’. In this episode, we’ll be talking about what equity is, how we can build it, and what we can do with it– like building out property portfolios, diversifying and increasing our wealth outside of the property, etc. While there are many differ...2022-04-1228 min360 Money MattersEquityHello and welcome back to the 360 Money Matters podcast! If you’re tuning in, chances are you’re interested in investing and creating wealth– one such method to increase your wealth is through property investment. When the property increases in value beyond what we have as a loan, this is what we can call ‘equity’. In this episode, we’ll be talking about what equity is, how we can build it, and what we can do with it– like building out property portfolios, diversifying and increasing our wealth outside of the property, etc. While there are many differ...2022-04-1228 min360 Money MattersControlling Your Emotions When InvestingHello and welcome back to the 360 Money Matters podcast! Whether you're a first-time investor or have plenty of experience, it is very easy for emotions and fear to get the better of you and for rational decisions to be blinded by emotion. In this episode, we’ll be turning a little more towards the psychology of investing, where we discuss the importance of continuing the course and blocking out all the unnecessary noise. We will discuss various strategies to combat making emotional investment decisions and help ensure that you are making rational decisions with your mon...2022-04-0526 min360 Money MattersControlling Your Emotions When InvestingHello and welcome back to the 360 Money Matters podcast! Whether you're a first-time investor or have plenty of experience, it is very easy for emotions and fear to get the better of you and for rational decisions to be blinded by emotion. In this episode, we’ll be turning a little more towards the psychology of investing, where we discuss the importance of continuing the course and blocking out all the unnecessary noise. We will discuss various strategies to combat making emotional investment decisions and help ensure that you are making rational decisions with your mon...2022-04-0526 min360 Money MattersGeneral InsuranceHello and welcome back to the 360 Money Matters podcast! Oftentimes, general insurance is overlooked and the priority is to get the cheapest possible rates and get the best deal for the price. However, when assessing a general insurance plan or strategy, the primary driver should always be the quality and conditions in the cover, with a secondary consideration placed on the cost of cover. Joining us today to shed some more light on the world of general insurance is Brenton Oviss. Benton is from Howden Insurance Brokers and has worked with us and many of o...2022-03-2929 min360 Money MattersGeneral InsuranceHello and welcome back to the 360 Money Matters podcast! Oftentimes, general insurance is overlooked and the priority is to get the cheapest possible rates and get the best deal for the price. However, when assessing a general insurance plan or strategy, the primary driver should always be the quality and conditions in the cover, with a secondary consideration placed on the cost of cover. Joining us today to shed some more light on the world of general insurance is Brenton Oviss. Benton is from Howden Insurance Brokers and has worked with us and many of o...2022-03-2929 min360 Money MattersMargin LendingHello and welcome back to the 360 Money Matters podcast! If you’re looking to expand and grow your wealth in a more aggressive manner, exploring the concept of a Margin Loan can be a potential solution for this. We’ve spoken before about how you can use debt to invest. In this episode, we’re going to delve deeper into margin loans and how it can be used to magnify your gains. In addition, with margin loans being considered as a high-risk investment, we will also share strategies to mitigate that risk, alongside other important factors...2022-03-2230 min360 Money MattersMargin LendingHello and welcome back to the 360 Money Matters podcast! If you’re looking to expand and grow your wealth in a more aggressive manner, exploring the concept of a Margin Loan can be a potential solution for this. We’ve spoken before about how you can use debt to invest. In this episode, we’re going to delve deeper into margin loans and how it can be used to magnify your gains. In addition, with margin loans being considered as a high-risk investment, we will also share strategies to mitigate that risk, alongside other important factors...2022-03-2230 min360 Money MattersFIRE MovementHello and welcome back to the 360 Money Matters podcast! Saving is no easy task. Especially in our current day and age that encourages high consumerist lifestyles and an economy where many individuals and families are drowning in debt. The traditional solution would be to keep working hard, but the idea of carrying on in the workforce well beyond our 60s isn’t a future not many of us want. Today’s topic is about a financial movement that’s been gaining traction over the past few years called Financial Independence, Retire Early, or the FIRE Movemen...2022-03-1525 min360 Money MattersFIRE MovementHello and welcome back to the 360 Money Matters podcast! Saving is no easy task. Especially in our current day and age that encourages high consumerist lifestyles and an economy where many individuals and families are drowning in debt. The traditional solution would be to keep working hard, but the idea of carrying on in the workforce well beyond our 60s isn’t a future not many of us want. Today’s topic is about a financial movement that’s been gaining traction over the past few years called Financial Independence, Retire Early, or the FIRE Movemen...2022-03-1525 min360 Money MattersUsing Debt to InvestHello and welcome back to the 360 Money Matters podcast! We have spoken a great deal about the power of investing. However when done correctly and managed appropriately, supercharging your wealth creation is possible, with the power of debt. In this episode, we will discuss powerful strategies that will enable you to invest using debt in the correct manner. Additionally, we will go into detail into what considerations and strategies that you should deploy in order to mitigate your risk when doing so. Debt doesn’t have to remain as a constant loom...2022-03-0828 min360 Money MattersUsing Debt to InvestHello and welcome back to the 360 Money Matters podcast! We have spoken a great deal about the power of investing. However when done correctly and managed appropriately, supercharging your wealth creation is possible, with the power of debt. In this episode, we will discuss powerful strategies that will enable you to invest using debt in the correct manner. Additionally, we will go into detail into what considerations and strategies that you should deploy in order to mitigate your risk when doing so. Debt doesn’t have to remain as a constant loom...2022-03-0828 min360 Money MattersAvoiding Death TaxesHello and welcome back to the 360 Money Matters podcast! Not paying taxes is always an exciting concept. Today we are fighting Australia’s War on Tax and showing you how you can create massive tax savings for you and your beneficiaries? Superannuation has been the dominating topic of this podcast for the past few weeks. But for this episode, we’re going to take a different approach to the topic by discussing a highly beneficial tax strategy inside superannuation so you can not only pay less tax but also avoid what we’d like to call “T...2022-03-0130 min360 Money MattersAvoiding Death TaxesHello and welcome back to the 360 Money Matters podcast! Not paying taxes is always an exciting concept. Today we are fighting Australia’s War on Tax and showing you how you can create massive tax savings for you and your beneficiaries? Superannuation has been the dominating topic of this podcast for the past few weeks. But for this episode, we’re going to take a different approach to the topic by discussing a highly beneficial tax strategy inside superannuation so you can not only pay less tax but also avoid what we’d like to call “T...2022-03-0130 min360 Money MattersNew Superannuation RulesHello and welcome back to the 360 Money Matters podcast! Continuing from our previous episode’s discussion on superannuation and getting money into it, we’d like to share some big news that is happening in the superannuation environment. In this episode, we will be going over the six significant changes coming to superannuation and what these mean for you moving forward. In addition, we will also talk about how these changes lower some of the barriers to entry and offer more flexibility for your retirement strategies. We’re very excited to talk abo...2022-02-2223 min360 Money MattersNew Superannuation RulesHello and welcome back to the 360 Money Matters podcast! Continuing from our previous episode’s discussion on superannuation and getting money into it, we’d like to share some big news that is happening in the superannuation environment. In this episode, we will be going over the six significant changes coming to superannuation and what these mean for you moving forward. In addition, we will also talk about how these changes lower some of the barriers to entry and offer more flexibility for your retirement strategies. We’re very excited to talk abo...2022-02-2223 min360 Money MattersSuperannuation ContributionsHello and welcome back to the 360 Money Matters podcast! In one of our previous episodes, we talked all about superannuation and how it can contribute to your long-term wealth creation. In Australia, superannuation is one of the best tax opportunities you can get and provides you with an income stream once you retire. In this episode, we’ll expand more on this topic, specifically on superannuation contributions and why you should do it. There are a variety of ways you can contribute to your superannuation and how you can maximize your contributions to tie into you...2022-02-1532 min360 Money MattersSuperannuation ContributionsHello and welcome back to the 360 Money Matters podcast! In one of our previous episodes, we talked all about superannuation and how it can contribute to your long-term wealth creation. In Australia, superannuation is one of the best tax opportunities you can get and provides you with an income stream once you retire. In this episode, we’ll expand more on this topic, specifically on superannuation contributions and why you should do it. There are a variety of ways you can contribute to your superannuation and how you can maximize your contributions to tie into you...2022-02-1532 min360 Money MattersWhat Is Happening in Investment MarketsHello and welcome back to the 360 Money Matters podcast! If you’ve ever had experience in investing, you may have heard things like, “Buy low, sell high” Or “Be fearful when others are greedy and be greedy when others are fearful”. Those are all sound strategies but the truth is no one can ever know for certain when the right time is to invest. The idea and concept of investing are completely different from actually executing it during a time when markets have become more volatile. This week, we’ll be discussing what’s been currently happen...2022-02-0831 min360 Money MattersWhat Is Happening in Investment MarketsHello and welcome back to the 360 Money Matters podcast! If you’ve ever had experience in investing, you may have heard things like, “Buy low, sell high” Or “Be fearful when others are greedy and be greedy when others are fearful”. Those are all sound strategies but the truth is no one can ever know for certain when the right time is to invest. The idea and concept of investing are completely different from actually executing it during a time when markets have become more volatile. This week, we’ll be discussing what’s been currently happen...2022-02-0831 min360 Money MattersHow to Get Into the Property MarketHello and welcome back to the 360 Money Matters podcast! Property is one of the world’s largest asset classes; your house probably is the most valuable asset you can own. And with property being a tangible asset whose value increases over time, this makes it a very attractive and lucrative market for people to safely invest in for the long term. This week’s episode serves as a masterclass on how you can facilitate getting into the property market, strategies to effectively go about purchasing a property, obstacles to consider for first-time buyers, and key areas...2022-02-0131 min360 Money MattersHow to Get Into the Property MarketHello and welcome back to the 360 Money Matters podcast! Property is one of the world’s largest asset classes; your house probably is the most valuable asset you can own. And with property being a tangible asset whose value increases over time, this makes it a very attractive and lucrative market for people to safely invest in for the long term. This week’s episode serves as a masterclass on how you can facilitate getting into the property market, strategies to effectively go about purchasing a property, obstacles to consider for first-time buyers, and key areas...2022-02-0131 min360 Money MattersThe Value of Financial AdviceHello and welcome back to the 360 Money Matters podcast! Oftentimes when we see people addressing their financial planning strategy, they address it on an individual basis whether it be trying to get their estate in order or looking for avenues to generate passive income. But in reality, there are a lot of moving parts that have bearing on one another, which can make things complicated. In this episode, we’ll be talking about the six key elements of the financial planning process. We’ll be touching upon areas of advice and take a step back to lo...2022-01-2530 min360 Money MattersThe Value of Financial AdviceHello and welcome back to the 360 Money Matters podcast! Oftentimes when we see people addressing their financial planning strategy, they address it on an individual basis whether it be trying to get their estate in order or looking for avenues to generate passive income. But in reality, there are a lot of moving parts that have bearing on one another, which can make things complicated. In this episode, we’ll be talking about the six key elements of the financial planning process. We’ll be touching upon areas of advice and take a step back to lo...2022-01-2530 min360 Money MattersFinancial Goal Setting for 2022Hello and welcome back to the 360 Money Matters podcast! A new year means a new financial plan. The beginning of the year is the most opportune time to reflect back on the last twelve months and review all of your financial goals. Wiith the holidays being a financial drain for many of us, we talk about how you can avoid “The Christmas Hangover” to stay on top of your spending and if you have overspent, how to rectify the situation. In this episode, we discuss how you can get started on making a new budget for the upcom...2022-01-1824 min360 Money MattersFinancial Goal Setting for 2022Hello and welcome back to the 360 Money Matters podcast! A new year means a new financial plan. The beginning of the year is the most opportune time to reflect back on the last twelve months and review all of your financial goals. Wiith the holidays being a financial drain for many of us, we talk about how you can avoid “The Christmas Hangover” to stay on top of your spending and if you have overspent, how to rectify the situation. In this episode, we discuss how you can get started on making a new budget for the upcom...2022-01-1824 min360 Money MattersActive vs. Passive InvestingHello and welcome back to the 360 Money Matters podcast! We’re wrapping up the final episode of 2021 by returning back to the topic of investment, particularly, on the two main investment styles: active and passive investments. In this episode, we discuss the general differences between the two types and the strong investment principles behind them. Both camps carry their own unique intricacies that bring value to the table, but with a well-rounded investment strategy, you can take an approach that takes advantage of some or both of these styles. We hope the 360 Money Matters Podcast ha...2021-12-1426 min360 Money MattersActive vs. Passive InvestingHello and welcome back to the 360 Money Matters podcast! We’re wrapping up the final episode of 2021 by returning back to the topic of investment, particularly, on the two main investment styles: active and passive investments. In this episode, we discuss the general differences between the two types and the strong investment principles behind them. Both camps carry their own unique intricacies that bring value to the table, but with a well-rounded investment strategy, you can take an approach that takes advantage of some or both of these styles. We hope the 360 Money Matters Podcast ha...2021-12-1426 min360 Money MattersWorking With a Mortgage BrokerHello and welcome back to the 360 Money Matters podcast! In this week’s episode, we’ll be unpacking the topic of mortgage brokers and to help us shine more light on this discussion, we’d like to introduce you to Mish Blecher, director of mortgage broking business and one of the founders of 360 Financial. We discuss the basics of mortgage broking in the world of residential loans, what value clients can gain from working with mortgage brokers when purchasing properties and demystifying common myths. It’s imperative you surround yourself with the right team who is able to provi...2021-12-0729 min360 Money MattersWorking With a Mortgage BrokerHello and welcome back to the 360 Money Matters podcast! In this week’s episode, we’ll be unpacking the topic of mortgage brokers and to help us shine more light on this discussion, we’d like to introduce you to Mish Blecher, director of mortgage broking business and one of the founders of 360 Financial. We discuss the basics of mortgage broking in the world of residential loans, what value clients can gain from working with mortgage brokers when purchasing properties and demystifying common myths. It’s imperative you surround yourself with the right team who is able to provi...2021-12-0729 min360 Money MattersThe Temptation of Buy Now, Pay LaterHello and welcome back to the 360 Money Matters podcast! The holiday season is fast approaching and that means you’re probably planning your holiday spending-- gifts, socialising, eating out, vacations, all of that. And with that amount of spending, you might not always have the cash you need, which might tempt you to use a Buy Now, Pay Later service. Sounds great in concept, but it’s not all that it’s cracked up to be. In this week’s episode, we’ll discuss the dangers of being entrapped by this service and how it opens you up to many...2021-11-3023 min360 Money MattersThe Temptation of Buy Now, Pay LaterHello and welcome back to the 360 Money Matters podcast! The holiday season is fast approaching and that means you’re probably planning your holiday spending-- gifts, socialising, eating out, vacations, all of that. And with that amount of spending, you might not always have the cash you need, which might tempt you to use a Buy Now, Pay Later service. Sounds great in concept, but it’s not all that it’s cracked up to be. In this week’s episode, we’ll discuss the dangers of being entrapped by this service and how it opens you up to many...2021-11-3023 min360 Money MattersWhat Is Happening with Melbourne Property Prices?Hello and welcome back to the 360 Money Matters podcast! This week we do a deeper dive into what we are seeing in the Melbourne property market and what is driving the increase in property prices. We discuss how and why property prices are rising in Melbourne that is attributed to: Covid restrictions having caused a shift in people's thinking around their living arrangements, low interest rates driving property prices higher, demand outstripping supply and the effects on property prices and a higher household savings rate due to compressed household consumption. -- This podcast...2021-11-2328 min360 Money MattersWhat Is Happening with Melbourne Property Prices?Hello and welcome back to the 360 Money Matters podcast! This week we do a deeper dive into what we are seeing in the Melbourne property market and what is driving the increase in property prices. We discuss how and why property prices are rising in Melbourne that is attributed to: Covid restrictions having caused a shift in people's thinking around their living arrangements, low interest rates driving property prices higher, demand outstripping supply and the effects on property prices and a higher household savings rate due to compressed household consumption. -- This podcast...2021-11-2328 min360 Money MattersTransition to RetirementHello and welcome back to the 360 Money Matters podcast! So picture this: you’re approaching your 60s and you’re getting ready to finally retire, but your plan usually isn’t as simple as; “Today I’m working and tomorrow I’m not” Ideally, your transition into retirement shouldn’t be so abrupt, rather, it should be slow, smooth, and above all, progressive. So how do you do that? This week, we’re going to discuss the transition to retirement strategy (or TTR). This strategy allows you to make that ideal transition because it allows you to supplement your in...2021-11-1625 min360 Money MattersTransition to RetirementHello and welcome back to the 360 Money Matters podcast! So picture this: you’re approaching your 60s and you’re getting ready to finally retire, but your plan usually isn’t as simple as; “Today I’m working and tomorrow I’m not” Ideally, your transition into retirement shouldn’t be so abrupt, rather, it should be slow, smooth, and above all, progressive. So how do you do that? This week, we’re going to discuss the transition to retirement strategy (or TTR). This strategy allows you to make that ideal transition because it allows you to supplement your in...2021-11-1625 min360 Money MattersInvesting with Managed FundsHello and welcome back to the 360 Money Matters podcast! We all know how much of a big decision investing is, especially if you’re unfamiliar or inexperienced in the field. From choosing your particular type of investment to barriers of entry, it can certainly feel like a daunting task and you might not always feel confident making all those decisions yourself. This week, we’re taking a deeper dive into the investment aspect of financial planning, specifically focusing on fund managers. We’ll discuss the role of fund managers in your financial strategy, the different methods that you ca...2021-11-0921 min360 Money MattersInvesting with Managed FundsHello and welcome back to the 360 Money Matters podcast! We all know how much of a big decision investing is, especially if you’re unfamiliar or inexperienced in the field. From choosing your particular type of investment to barriers of entry, it can certainly feel like a daunting task and you might not always feel confident making all those decisions yourself. This week, we’re taking a deeper dive into the investment aspect of financial planning, specifically focusing on fund managers. We’ll discuss the role of fund managers in your financial strategy, the different methods that you ca...2021-11-0921 min360 Money MattersDebt RecyclingHello and welcome back to the 360 Money Matters podcast! When it comes to debt, ideally you want to be in a debt-free position for your wealth creation, but sometimes that won’t always be the case. 20 or even 30 years later, you might still be paying for the same debt and making additional repayments, and you haven’t moved the needle very far. If you want to remove that thorn in your side, then we have a strategy that we hope can address those problems. In this episode, we introduce the Debt Recycling Strategy-- a very technical but incr...2021-11-0228 min360 Money MattersDebt RecyclingHello and welcome back to the 360 Money Matters podcast! When it comes to debt, ideally you want to be in a debt-free position for your wealth creation, but sometimes that won’t always be the case. 20 or even 30 years later, you might still be paying for the same debt and making additional repayments, and you haven’t moved the needle very far. If you want to remove that thorn in your side, then we have a strategy that we hope can address those problems. In this episode, we introduce the Debt Recycling Strategy-- a very technical but incr...2021-11-0228 min360 Money MattersBuyer’s AdvocateHello and welcome back to the 360 Money Matters podcast! When it comes to dealing with property, it’s a very big purchase and commitment majority of the time. Not everyone is going to be well-equipped with knowledge on this topic, and so we encourage you to engage with experts so you can avoid the pitfalls of buying a property. So we have a special guest for you all for this episode-- Natalie Greatrex of Greatrex Property! As a real estate industry veteran who serves as a buyer’s advocate with her company, she will share her expertise and i...2021-10-2624 min360 Money MattersBuyer’s AdvocateHello and welcome back to the 360 Money Matters podcast! When it comes to dealing with property, it’s a very big purchase and commitment majority of the time. Not everyone is going to be well-equipped with knowledge on this topic, and so we encourage you to engage with experts so you can avoid the pitfalls of buying a property. So we have a special guest for you all for this episode-- Natalie Greatrex of Greatrex Property! As a real estate industry veteran who serves as a buyer’s advocate with her company, she will share her expertise and i...2021-10-2624 min360 Money MattersHow to Get On Top of Your SpendingHello and welcome back to the 360 Money Matters podcast! One of our listeners emailed us asking us how he can get back on top of his spending. More often than not, when you get your paycheck and spend on all your essentials, there’s barely any money left. This is a problem that is more common than you think so we’re going to dedicate this episode to answering their question. Having the right structure in place as to how you’re spending your money is imperative, so we’ll discuss how you can correctly set up your bud...2021-10-1929 min360 Money MattersHow to Get On Top of Your SpendingHello and welcome back to the 360 Money Matters podcast! One of our listeners emailed us asking us how he can get back on top of his spending. More often than not, when you get your paycheck and spend on all your essentials, there’s barely any money left. This is a problem that is more common than you think so we’re going to dedicate this episode to answering their question. Having the right structure in place as to how you’re spending your money is imperative, so we’ll discuss how you can correctly set up your bud...2021-10-1929 min360 Money MattersHow Much Money Do You Need in Retirement?Hello and welcome back to the 360 Money Matters podcast! One of the questions our clients frequently ask us is, “How much money do I need when I retire? How do I get started on it?” Just like financial strategies, the definition of retirement varies from person to person, depending on their personal circumstance, so you want to find the strategy that best fits you. In this episode, we’re going to give you all a rundown on retirement including strategies and benchmarks that will not only help determine your retirement income while giving you the ability to live o...2021-10-1230 min360 Money MattersHow Much Money Do You Need in Retirement?Hello and welcome back to the 360 Money Matters podcast! One of the questions our clients frequently ask us is, “How much money do I need when I retire? How do I get started on it?” Just like financial strategies, the definition of retirement varies from person to person, depending on their personal circumstance, so you want to find the strategy that best fits you. In this episode, we’re going to give you all a rundown on retirement including strategies and benchmarks that will not only help determine your retirement income while giving you the ability to live o...2021-10-1230 min360 Money MattersPlanning Financially for ChildrenHello and welcome back to the 360 Money Matters podcast! Having a family is a big life decision and financial expense. You want to make sure your children have their needs cared for, and not just the immediate ones like diapers or food, but including things in the far future university tuition and car deposits. For this episode, we discuss how you can determine the right facilities and vehicles for your children’s savings for the future as well as all the factors to consider when making a financial plan. Things may not always go according to plan, but...2021-10-0518 min360 Money MattersPlanning Financially for ChildrenHello and welcome back to the 360 Money Matters podcast! Having a family is a big life decision and financial expense. You want to make sure your children have their needs cared for, and not just the immediate ones like diapers or food, but including things in the far future university tuition and car deposits. For this episode, we discuss how you can determine the right facilities and vehicles for your children’s savings for the future as well as all the factors to consider when making a financial plan. Things may not always go according to plan, but...2021-10-0518 min360 Money MattersAll About SuperHello and welcome back to the 360 Money Matters podcast! You’d be surprised at how often long-term wealth creation is overlooked by financial advisors, but you want to make sure you’re all set when you retire. So for this episode, we discuss how you can grow your wealth with superannuations, the strategies behind it, and how to get the most out of its benefits. By maximising your retirement fund, you can build a much better financial plan to invest into your comfortability in the future after a career. Don’t miss out on this episode so you ca...2021-09-2824 min360 Money MattersAll About SuperHello and welcome back to the 360 Money Matters podcast! You’d be surprised at how often long-term wealth creation is overlooked by financial advisors, but you want to make sure you’re all set when you retire. So for this episode, we discuss how you can grow your wealth with superannuations, the strategies behind it, and how to get the most out of its benefits. By maximising your retirement fund, you can build a much better financial plan to invest into your comfortability in the future after a career. Don’t miss out on this episode so you ca...2021-09-2824 min360 Money MattersShares vs. PropertyHello and welcome back to the 360 Money Matters podcast! When it comes to your financial assets, we find that shares and property make up a sizable portion of your wealth so in this episode, we discuss how you can get into owning shares and property, the differences between the two and how you can take advantage of both of them with some planning so it doesn’t have to be one or the other. We’ll also discuss using leverage to maximise your investment gains and the impact this can have on your portfolio. So make sure to t...2021-09-2127 min360 Money MattersShares vs. PropertyHello and welcome back to the 360 Money Matters podcast! When it comes to your financial assets, we find that shares and property make up a sizable portion of your wealth so in this episode, we discuss how you can get into owning shares and property, the differences between the two and how you can take advantage of both of them with some planning so it doesn’t have to be one or the other. We’ll also discuss using leverage to maximise your investment gains and the impact this can have on your portfolio. So make sure to t...2021-09-2127 min360 Money MattersEstate PlanningHello and welcome back to the 360 Money Matters podcast! We’re finally here at the sixth and final step of your financial roadmap-- estate planning! Once you’ve amassed a large amount of wealth, you don’t just stop there. You want to plan your estate to make sure that your money and assets get to the right people, at the right time. Inheritance isn’t just limited to simply writing a will, so have a listen as Billy and Andrew take the time to discuss the various elements you should consider when planning out your estate. Mak...2021-09-1423 min360 Money MattersEstate PlanningHello and welcome back to the 360 Money Matters podcast! We’re finally here at the sixth and final step of your financial roadmap-- estate planning! Once you’ve amassed a large amount of wealth, you don’t just stop there. You want to plan your estate to make sure that your money and assets get to the right people, at the right time. Inheritance isn’t just limited to simply writing a will, so have a listen as Billy and Andrew take the time to discuss the various elements you should consider when planning out your estate. Mak...2021-09-1423 min360 Money MattersManaging RiskHello and welcome back to the 360 Money Matters podcast! Get ready for today’s episode because we’ll be talking about the enthralling topic of managing risks as part of your financial plan. Unfortunately, the reality when it comes to your finances is that not everything will always go as planned but don’t lose hope just yet because we want to help you as much as we can in this episode. Both Andrew and Billy will be talking about a plethora of topics related to this issue, such as risk mitigation strategies, income protection, and many more.2021-09-0726 min360 Money MattersManaging RiskHello and welcome back to the 360 Money Matters podcast! Get ready for today’s episode because we’ll be talking about the enthralling topic of managing risks as part of your financial plan. Unfortunately, the reality when it comes to your finances is that not everything will always go as planned but don’t lose hope just yet because we want to help you as much as we can in this episode. Both Andrew and Billy will be talking about a plethora of topics related to this issue, such as risk mitigation strategies, income protection, and many more.2021-09-0726 min360 Money MattersDeveloping An Investment StrategyWelcome back to the 360 Money Matters Podcast, and in this episode, we’ll be discussing step four of our six-step financial planning process which is developing an investment strategy. There is a lot to unpack regarding investment strategies and the various topics surrounding them, but we hope that this will help paint a clear picture for you all. Beyond the usual technical aspects of an investment strategy, many factors unique to the individual come into play such as circumstances, goals, comfort level, and emotional investment, and these are critical things that we want to discuss in this ep...2021-08-3135 min360 Money MattersDeveloping An Investment StrategyWelcome back to the 360 Money Matters Podcast, and in this episode, we’ll be discussing step four of our six-step financial planning process which is developing an investment strategy. There is a lot to unpack regarding investment strategies and the various topics surrounding them, but we hope that this will help paint a clear picture for you all. Beyond the usual technical aspects of an investment strategy, many factors unique to the individual come into play such as circumstances, goals, comfort level, and emotional investment, and these are critical things that we want to discuss in this ep...2021-08-3135 min360 Money MattersGetting Your Debt Under ControlDebt can be intimidating and managing it can be a daunting task for many of us, but it doesn’t mean getting it under control is impossible. Debt management can make your financial life much easier by limiting the impact that debt has on your cash flow, therefore, making it an imperative part of the wealth creation journey. We’ll help you gain a clearer understanding of debt, and provide practical methods you can implement to make progress on paying down debt as well as avoiding common consumer pitfalls. We’ll also step away from the usual gloom a...2021-08-2420 min360 Money MattersGetting Your Debt Under ControlDebt can be intimidating and managing it can be a daunting task for many of us, but it doesn’t mean getting it under control is impossible. Debt management can make your financial life much easier by limiting the impact that debt has on your cash flow, therefore, making it an imperative part of the wealth creation journey. We’ll help you gain a clearer understanding of debt, and provide practical methods you can implement to make progress on paying down debt as well as avoiding common consumer pitfalls. We’ll also step away from the usual gloom a...2021-08-2420 min360 Money MattersIdentifying and Maximising Your SurplusThe key to any financial plan is having surplus income. Without surplus income, it makes it impossible to allocate your money and invest for your financial goals and it is hence imperative to maximise this surplus. Maximising this surplus can be done from driving up your income and can also be done by understanding and minimising your expenses. This is the second step to building your financial plan, and one step closer to reaching financial freedom. In this episode, we’ll share with you a recommended method that has been tried and tested to better manage your bu...2021-08-1728 min360 Money MattersIdentifying and Maximising Your SurplusThe key to any financial plan is having surplus income. Without surplus income, it makes it impossible to allocate your money and invest for your financial goals and it is hence imperative to maximise this surplus. Maximising this surplus can be done from driving up your income and can also be done by understanding and minimising your expenses. This is the second step to building your financial plan, and one step closer to reaching financial freedom. In this episode, we’ll share with you a recommended method that has been tried and tested to better manage your bu...2021-08-1728 min360 Money MattersKnow Your Position, and Set Your GoalsWelcome back to the 360 Money Matters Podcast, where in this episode we dive right into the first step of building your financial plan - understanding your position, and identifying your goals. It can be a difficult task to build your financial plan and roadmap, however, when starting out on this journey it is imperative to have a strong understanding of your current position and set clear and concise goals. By having a strong grasp on your assets and liabilities, as well as a good grasp on your budget, will be the foundation for spring boarding your wealth...2021-08-1023 min360 Money MattersKnow Your Position, and Set Your GoalsWelcome back to the 360 Money Matters Podcast, where in this episode we dive right into the first step of building your financial plan - understanding your position, and identifying your goals. It can be a difficult task to build your financial plan and roadmap, however, when starting out on this journey it is imperative to have a strong understanding of your current position and set clear and concise goals. By having a strong grasp on your assets and liabilities, as well as a good grasp on your budget, will be the foundation for spring boarding your wealth...2021-08-1023 min360 Money MattersAn Introduction to the Six-Step Process of Financial PlanningWelcome to the first episode of the 360 Money Matters Podcast with your hosts, Billy Amiridis and Andrew Nicolaou! In this podcast, we aim to increase your confidence in all money matters-- covering an array of topics like investing, cash flow and budgeting, and passive income. We’re confident that by arming yourself with knowledge, you can live your life on your own terms without limits. Though initially, financial planning may seem like such a daunting process, it can be broken down into smaller manageable steps-- which is exactly what we’ll be outlining for you toda...2021-08-0316 min360 Money MattersAn Introduction to the Six-Step Process of Financial PlanningWelcome to the first episode of the 360 Money Matters Podcast with your hosts, Billy Amiridis and Andrew Nicolaou! In this podcast, we aim to increase your confidence in all money matters-- covering an array of topics like investing, cash flow and budgeting, and passive income. We’re confident that by arming yourself with knowledge, you can live your life on your own terms without limits. Though initially, financial planning may seem like such a daunting process, it can be broken down into smaller manageable steps-- which is exactly what we’ll be outlining for you toda...2021-08-0316 min