Shows
Dollars and Making Sense$3m Super Tax Div 296What is the $3m super cap all about? We welcome back Stuart Sheary, subject matter expert from IFPA (www.ifpa.com.au) to help explain all the proposed changes that are being legislated later this year when parliarment resits. Is the sky falling down, or are we right to be concerned. Is this just a negotiating strategy to ask for a lot and then settle on a something more acceptable. Stuart and Ray discuss a number of angles and views from professionals involved in the day to day running of this proposed change in super laws.
2025-06-1725 min
Dollars and Making SenseEthical InvestingGo woke, go broke? Maybe not, we meet Ray Kan from Daintree Wealth, an experienced financial planner that specialises in ethical investing and has a track record to show that doing the right thing can pay off, just as well as making other choices. Even though many industries today are legal, we may not always be comfortable putting our long term faith and investments in those fields. Ray discusses how he listens carefully to his clients and provides avenues and opportunities to realise financial goals as well as doing the right things. Some great advice along the way as well...
2025-04-2828 min
Dollars and Making SenseThe Politics of FinanceWe welcome Peter Johnstone, executive director of the Association of Independently Owned Financial Professionals to chat about their December industry conference where a number of notable politicians will be invited to posit their views on the finance industry, advice sectors and various policies that are currently the subject of much debate including accreditation, regulation, industry fees and charges and taxation policy. Sounds early but Peter is suggesting the election cycle is about to commence, and its usually prudent to get in early.
2023-11-2327 min
Dollars and Making SenseScamwatchIt can happen to anyone, and when you least expect it. Internet, email, phone scams are rife, Justin Bott from Services Australia (Centrelink, Human Svcs etc) details over $430m lost so far in 2023 to fraudsters, and it can happen to even the smartest, most savvy people you know. We chat about what types are out there, and how to protect yourself, and importantly, what to do if you think you've been scammed. https://www.scamwatch.gov.au/types-of-scams and https://www.servicesaustralia.gov.au/active-scams are great resources to check out.
2023-11-2327 min
Dollars and Making SenseUtes & FBT
Utes are the biggest selling class of vehicles in Australia presently, and we've all seen the advertising showing the great outdoors towing caravans or boats. Many of these utes are used for work purposes as well, and today we welcome back Frank Drenth from the Institute of Financial Professionals of Australia (www.ifpa.com.au) to discuss the tax implications on both tradies and their employers who provide and use these vehicles for work purposes. The ATOs guidelines are clear and yet, we see in this chat, there are different understandings
2023-11-0827 min
Dollars and Making SenseRetire On PurposeFinish work on Friday, have some farewell drinks and then come Monday, you start a 30 year holiday. Sounds like a dream scenario, right? Maybe not if you haven't planned. This week we chat with Nick Freedman about Retiring on Purpose, a path to education and transition from full time work to full time retirement, and whatever that looks like. There's a lot more to it than just money, be assured. Tune in for a life changing show, literally!
2023-11-0827 min
Dollars and Making SenseSMSFs Borrowings and $3m capNatasha Panagis, superannuation expert from IFPA (ifpa.com.au) rejoins us to continue discussions on SMSFs borrowing rules and common misconceptions, and we also follow up on our recent interview on the upcoming review of the new $3m super cap tax being proposed. There is still work to be done in the legislative halls of power, remembering the 2 things we shouldn't see being made ... sausages and laws.
www.ifpa.com.au
2023-11-0127 min
Dollars and Making SenseInvestor Discussion GroupsWe're all about education, and what better way than to invite the Australian Shareholders Association convenor of the year, Keith Ready from Sydney to join us. Keith is a volunteer within the ASA as are many hundreds that not only participate in monthly activities, but also assist in company monitoring, meeting organisation as well as convene Investment Discussion Groups, the focus of today's interview. With over 50 locations to chose from both city, regional and virtual, there is an option open to almost everyone.
https://www.linkedin.com/company/australianshareholdersassociation/
https://twitter.com/AustSharesAssoc
ht...
2023-11-0127 min
Dollars and Making SenseGovernment BondsUS bonds are on the news all the time, ever wondered why? Liz Moran, Editor of Fixed Income News Australia joins us to explain the importance of understanding a little bit about government bonds, and their impact on global markets and share prices. All the way down to how much we pay for our home mortgages too.
2023-10-1727 min
Dollars and Making SenseSMSFs and Borrowing
Neil Sparks from the SMSF Association joins us to continue our discussion on how to invest in your retirement using a self managed fund. DIY or destroy it yourself as Neil's recent article explains can be a recipe for disaster if you don't know what you're doing. Being educated in the detail will help you avoid this complex area, and especially when buying property and using borrowed funds in super requires particularly detailed knowledge. Tune in to understand this is one area you'll need advice from a licensed planner, not a property salesperson.
2023-10-1327 min
Dollars and Making SenseBudgeting and Financial Stress - Svcs Australia
It's back to basics this week as we chat to Justin Bott from Services Australia about how to budget and the free resources available from the Australian federal government that are there to assist you in financial education, understanding industry jargon, and getting started if you don't have anything to begin with. We also cover a great free resource called the Financial Information Service that is delivered online as well as in person. Your taxpayer money hard at work helping everyone that needs it.
2023-10-1327 min
Dollars and Making SenseAre SMSFs for You?Neil Sparks, Corporate Development at the SMSF Association is with us this week discussing whether SMSFs are for you or not. Given their increasing popularity, a self managed retirement option is attractive, but there are many pitfalls, and chatting to one of the leading experts from the industry, we tackle some of the common errors made by unwary entrants and older investors alike. There is much to be gained from having your own SMSF, so join us to better understand whether DIY super is for you or not.
2023-10-0427 min
Dollars and Making SenseTax Aware InvestingGrant Hackett is a household name to those of us old enough to remember and relive the highlights of the Sydney 2000 Olympics. Grant won gold in the 1500m swim there and in Athens in 2004. Grant did some broadcast work later but ended up pursuing this passion in finance and is now CEO of Generation Life, a Melbourne based investment company. Today we discuss tax aware investing, and what that means to people of any age really, and we delve into achieving goals and life's aspirations for a comfortable retirement. Grant's view of simplicity being the key and being "tax awar...
2023-09-2827 min
Dollars and Making SenseThe $3m Super CapSo much media hype recently surrounding a proposed $3m cap on Superannuation balances. Natasha Panagis, resident expert on Super at IFPA joins us to work through at least 6 nasty elements of this proposed legislation, and what the ramifications potentially are. While many might argue this is a "rich person's tax", yet we learn this will impact far more people than first thought, and also potentially impact tax laws in other arenas as well. Dollars & Making Sense maybe, but maybe this doesn't make sense at all.
2023-08-2327 min
Dollars and Making SensePension Income Streams - Services Australia"We're from the government and we're here to help" - Justin Bott from Services Australia (Centrelink) is welcomed back to explain the impact of pension income streams on the government aged pension. Thankfully the policies are getting simpler to understand for those about to retire or on the cusp. Justin explains there are a number of different options and things to consider, and as always on Dollars & Making Sense, we're trying to make money, finance & investing easier with better education. There are some great tips & tricks to pick up, so tune in!
2023-08-2327 min
Dollars and Making SenseLand Taxes & Work from HomeNeville Birthisel, from IFPA joins me this week to discuss an insidious sharp edge to WFH (working from home) taxation rules. Last time we spoke, the rate was coming down, and becoming more complex to administer, but Land Tax implications have all of a sudden have become front & centre because is certain States, the laws are positively draconian, while others get off scot free. Join us as we learn along the way, there is much to be wary and concerned about, and having Neville from the Institute explain the way forward will certainly assist here on Dollars & Making Sense.
2023-08-2327 min
Dollars and Making SenseIs there a Death Tax?Much was made during the last election about a Death Tax, and this week, we chat with Peter Bobbin again to ponder whether there are in place today (and it turns out for over 30 years now), de facto death taxes. Always willing to be convinced with a logical argument, Peter's view is hard to disagree with - Capital Gains Tax and Superannuation have by design or unintended consequence, potentially fit that description of a "death tax". Tune in to find out more.
2023-08-0427 min
Dollars and Making SenseWhat's a LIC or LIT? Let's find outListed Investment Companies and Trusts Association. Wow, what a mouth full, but Ian Irvine, CEO of LICAT comes on board this week to help explain what this non-profit organisation is all about. Investors of all types across many asset classes will want to find out more about LICAT and their members. Ian's explanation will provide an excellent introduction, and as always, we're about financial education and we have some great resources for you to check out at the end of the show.
2023-08-0427 min
Dollars and Making Sense5 Important Documents for Estate PlanningPeter Bobbin is a lawyer and accountant with extensive experience over many years, and we recently crossed paths at the Australian Shareholders Association. Peter's estate planning Master Class is well known in ASA circles and today, we're going to start looking at some of the excellent content that he covers, and in doing so, let's discover first off, what the five important documents you need to consider. And to make things easy, all we need in the first instance is a piece of paper and a pen!
2023-08-0427 min
Dollars and Making SenseCouples & Finance Post PandemicWe welcome back Philippa Hunt from Wise Girls Money to discuss a rather concerning trend in relationships in Australia post-pandemic. Divorces are trending upwards, there are more and more isolated divorcees who after surviving the stress and trauma of marriage breakdown, then have to deal with the financial ramifications. And to make things worse, we're enduring interest rate hikes and cost of living pressures. Tune in to find out what's happening and maybe some great ideas on how to cope.
2023-08-0427 min
Dollars and Making SenseChanges to the Age PensionServices Australia is a government agency better known by many as Centrelink (as well as other groups too). This week, Community Officer, Justin Bott joins Dollars and Making Sense to discuss the latest changes in the Aged Pension, the assets and income test that now apply to the Aged Pension, and the fact that you now have to be 67 years old to retire and qualify for this payment. Justin is well versed in this subject and has the inside on a number of free, excellent resources you can access to find out all the rules, the changes, and whether yo...
2023-08-0227 min
Dollars and Making SenseHow to Choose a Financial AdviserWe welcome back to the microphone, Peter Johnstone, Executive Director of the Association Independently Owned Financial Professionals to discuss how to select a Financial Adviser. Given the adviser population has reduced from over 30,000 some 5 years we have less than 16,000 now, and that number is dropping. We discuss why this has happened and what's changing in the advice industry. Still like dealing with humans when it comes to investing, this will be interest particularly to our listeners/readers about to retire with a large nest egg.
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@Radio Northern Beaches
2023-07-0627 min
Dollars and Making SenseCrypto 1.01 with Ben SimpsonWe recently interviewed Ben Simpson from Collective Shift at the IFPA conference, and this topic was so compelling, we had to have him back on the show for a full interview. Today we cover of the basics of what crypto and Bitcoin is all above. We also love free, so we're handing out a lot of free information and education that you'll be able to learn about this interesting yet still new way of investing - even though it is over 12 years old now. We are still skeptics here at Dollars and Making Sense, but we are always willing to...
2023-07-0627 min
Dollars and Making SenseWomen's Financial Literacy with Philippa HuntPhilippa Hunt from Wise Girls Money Academy joins us to discuss women's financial literacy, and see gents ... there are some not so subtle differences. Man or woman, join us to learn something about finance, and making your dollars work harder for you.
@FMRNB@Radio Northern Beaches
2023-07-0627 min
Dollars and Making Sense10 things changing on 1 July 2023 in Australian finance, super, pensionsFrom Super Guarantees to pension age, pension drawdowns and home loan scheme eligibility, there are a raft of changes that have come in from 1 July 2023. Today, Ray Trevisan will present and discuss this list of major changes, its impact, and also provide some food for thought. Do you agree with him or not? Let us know, we're always happy for a vibrant discussion here on Dollars & Making Sense, a show about finance, money and investing.
@FMRNB@Radio Northern Beaches
2023-07-0627 min
Dollars and Making Sense2023 IFPA Conference - Driving Your Practice ForwardWhen a large membership of tax agents and accountants gather, we're sure to have some great content to discuss and ponder for thought. This episode we grab some excerpts and post presentation interviews with some of the presenters on the day of the IFPA (www.ifpa.com.au) conference held in Melbourne in 2023. Topics include succession planning, Crypto currency, mental health, compliance & regulatory as well as a number of legislative and tax updates. Sounds dry? Not if you're keen to save time and money!
2023-05-0927 min
Dollars and Making SenseShareholder AGMs - how to vote - Aust Shareholders AssociationThe Australian Shareholders Association represents the interests of retail investors, however did you know they also provide valuable advice on how to vote your shares at a company AGM, and can also proxy on your behalf! Today we chat with Steven Mabb, Chair at the ASA about this valuable service provided by this not-for-profit advocacy group, and how it might be of value to investors, large and small, beginners and seasoned. Here Steven talk about the good and the not-so-good companies out there.
2023-05-0927 min
Dollars and Making SenseShareholder Advocacy - Aust Shareholders AssociationWe chat with Fiona Balzer, Policy and Advocacy Manager at the Australian Shareholders Association, a ground roots not-for-profit organisation that has been representing the interests of retail shareholders for over 60 years now. Fiona's area of expertise focuses on ESG (environment, social & governance) policy, as well as ASA Advocacy Manager who works with everyday shareholders in listening and presenting their views to company boards, government and the general public. Tune in to find out what's on Fiona and the ASA's radar next.
2023-05-0927 min
Dollars and Making SenseBuyers Agent helps you buyer real estate betterThis week Scotty North from Real Property Advice gives us the "good oil" on why engaging a buyer's agent will help you buy your family home or investment property. The benefits could potentially outweigh the initial costs by quite some. Scotty has extensive experience in the field and during our show he explains how buyers agents operate and save.
2023-05-0927 min
Dollars and Making SenseContesting a WillContesting a WillYou believe you're entitled to a share of some's estate, and yet you're in the dark or worse still, you're not in the will at all. What do you next? We chat with our visiting expert on all matters Estate Planning, Jonathan Elcombe from ElGen Estate Services to work through a myriad of situations, some awkward, some easy on what to do if you're going to contest a will.
2023-04-2827 min
Dollars and Making SenseOrganising a FuneralYou're the executor of a will and the funeral arrangements are now sitting in your lap. What's next? We meet Scott Duncombe from Sydney Funerals to discuss what you need to do, how you work through some tangled discussions around coffins, arrangements, music, a funeral director, caskets and everything in between. Tune in to find out Scott's key message, and yes we talk about cost as well.
2023-04-2827 min
Dollars and Making SenseBeing an Executor of a WillBeing an Executor of a WillYou've been asked to be an executor for someone's last will & testament. What does that mean, and what do I have to do? Jonathan Elcombe, specialist from Elgen Estate Planning talks through the myriad of responsibilities that face an executor, before and after someone dies. Departing the mortal coil is not that simple for those left behind, and this show is a must for those planning their estate and provides much to think about.
2023-04-0727 min
Dollars and Making SenseTemporary Full Expensing with IFPATemporary Full ExpensingTFE is a great way for businesses (up to $5bn turnover!) to be able to fully expense their company purchases. Josh McMullen from IFPA joins us to work our way through this simplified and very generous way to write-off / depreciate assets that you use in your business, and understand the pros and cons. There are rules to heed, and they are constantly changing, so tune in to listen to the latest from the experts at IFPA.
2023-04-0727 min
Dollars and Making SenseTrade Shares with CompetenceConscious competence - called the "learning stage", but are you aware of your competence level when trading shares? Louise Bedford from Trading Game joins us this week to talk about trading with confidence and competence. Unconscious competence when you're a "master", but may in fact be unconscious incompetence. When an individual is unaware of their lack of skill or knowledge (ouch!). Louise is an award winning author of 5 books on the subject of share trading, join us to understand if you're easily distracted, have a volatility bias or "distraction sickness"!
2023-04-0727 min
Dollars and Making SenseMixing personal expenses with your company expenses - Div7A rulings & the ATOCompany expenses getting mixed up with your personal expenses, sound familiar? The traps of doing so and the penalties for not correctly accounting is one of the long standing matters the Tax Office has issue with company directors, in particular Mum & Dad operators and tradies. Let's do a deep dive with tax expert David Jonavicious from IFPA.
Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests.
Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio N...
2023-03-2427 min
Dollars and Making Sense100A Family Trusts - what you need to knowFrank Drenth, tax expert has a deep understanding of Family Trusts, and given there are close to 800k of them handling almost $3T, this is worth finding out more. Listen in to find out the latest in the ATO rulings and what to be looking out for.
Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests.
Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio Network (www.cbaa.org.au). Check out our blog and de...
2023-03-2427 min
Dollars and Making SenseMen's Mental Health with Simon MaddenSimon Madden, 389 games at all Essendon and one of the legends of AFL who now travels the country talking to people about being better humans. Be the best you can, and in so we discuss what it means to be a man, particularly when looking at societal expectations surrounding money management and being the "bread winner".
Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests. Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio Network (w...
2023-03-2427 min
Dollars and Making SenseEstate Planning 1.01Estate planning, what is it and where do I start? Jonathan Elcombe joins us to work through the basics of wills, powers of attorney, guardianship and more, to leave us with a solid starting point to commence our journey in ensuring we don't leave our loved ones stranded.
Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests. Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio Network (www.cbaa.org.au). Check out our blog a...
2023-03-2427 min
Dollars and Making SenseWork from Home Tax ConcessionsWe've moved through the pandemic, and last year, the ATO provide a simple way to calculate our tax deductions for our work from home costs. Same again, right? Think again... We talk with Neville Birthisel at the Institute of Financial Professionals Australia (www.ifpa.com.au) as to what the ATO is expecting this year from all of us that work from home (and that's a darn lot of people, people!).
Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests. Broadcast weekly on community Radio N...
2023-03-2427 min
Dollars and Making SenseSmall Business Capital Gains Tax ConcessionsKirk Wilson, Tax specialist from the Institute of Financial Professionals Australia joins us to work through some excellent Capital Gains Tax concessions available to small business owners and many farmers. There are four key ways to take advantage of perfectly legal ways to minimize your tax liabilities when running your small business.
Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests.
Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio Network (www.cbaa.org.au). ...
2023-03-2427 min
Dollars and Making SenseMortgage Cliffs - what's next?With 23% of all mortgages in the market today being fixed (yes that's correct!), we are facing interesting times when coming to refinance after many years of record low interest rates. We discuss this dilemma with Todd O'Neill from Xenium Partners what's going on and what to do about it.
Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests. Broadcast weekly on community Radio Northern Beaches (www.rnb.org.au), and nationally throughout Australia on the Community Radio Network (www.cbaa.org.au). Check out our b...
2023-03-2427 min
Dollars and Making SenseAsset Protection - are you protecting your most valuable asset?We welcome back Philippa Hunt from Wise Girls Money to chat about protecting your most important asset - you!
Life insurance is a rather boring subject but there are real needs as to why we should be talking about it. Tune in to find out more, especially working women.
Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests. Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio...
2023-03-2427 min
Dollars and Making SenseSuper tax law changes - IFPANatasha Panagis, Superannuation Expert from the Institute of Finance Professionals Australia chats to us this week to work through the recent changes in superannuation law that impacts virtually all Australians.
More information can be found at www.ifpa.com.au and our blog at www.otgcapital.com.au
2023-03-2427 min
Dollars and Making SenseIFPA & TSAPippa McKee, CEO of Tax & Superannuation Australia joins me this week at Dollars & Making Sense to discuss what's happening at TSA now there is a new look, new logo, new website - the Institute of Financial Professionals Australia. The implications for the advocacy group are big and auger well for 2023 and the prospects for the year ahead. Delve in to find out about what services are expanding, what's staying the same, and what's to come next year.
Dollars & Making Sense a weekly program about money, finance and investing.
@FMRNB
@Radio Northern Beaches
2022-12-1242 minDollars and Making Sense2022 the year that wasWe're joined by my regular collaborators this week for our final get together before the silly season gets into full swing. Phil Osborne and Philippa Hunt discuss the most important issues they've been grappling with 2022 and the potential for 2023 for your money, finance and investing options.
2022-12-0547 minDollars and Making SenseBrexit & BitcoinA voice from the past, Henry Jennings from Marcus Today returns to reprise our first forays into DMS over 3 years ago! And to get the tongues wagging, we venture down some old content and rediscover our musings over Brexit, Bitcoin and the current state of the global markets. Henry is a favoured commentator on many a TV show and commentators including Oz Biz, Kochie, ABC News Breakfast and SBS, and its a real pleasure to have him back.
2022-11-2146 minDollars and Making SenseDirector ID NumbersNeville Berthisel from Tax & Super Australia expounds all things digitisation at the ATO and specifically all about DINs - no not noise, but Director Identification Numbers and what they mean and WHY they are going to be so important to you when running a company or being a trustee in your SMSF.
2022-11-1446 minDollars and Making SenseAustralian Shareholders AssociationWe're joined this week by Rachel Waterhouse CEO of the Australian Shareholders Association. Rachel discusses what the ASA does across many facets of the Australian investing landscape, and why, if you are serious investor, you should consider joining.
2022-11-0744 minDollars and Making SenseContracts for DifferenceWe're joined this week by Sophie Gerber, founder and CEO of Sophie Grace, Legal & Compliance specialists to discuss CFDs - Contracts for Difference. If you're not sure that CFDs are, what they do and who they're suited for, tune in, and like me, get schooled on a different way of investing your hard earned funds.
2022-11-0142 minDollars and Making SenseWhy Do We Pay Tax?Oliver Wendell Holmes, US Supreme Court juror (and a Republican no less) famously said "taxes are the price we pay for a civilised society". We discuss taxes with the Head of Tax, Phil London at Tax & Super Australia, in our ongoing collaboration with TSA. The ethics of whether we should pay tax or avoid them is a curly conundrum.
2022-10-2547 minDollars and Making SenseDebt NegativityFollowing on from our BNPL revisit, Philippa Hunt from Wise Girls Money tackles the thorny issues surrounding how Debt can bring about so much Negativity in your life it can at times be debilitating. We've covered this subject a lot because it hurts many people - a lot!.
https://ethics.org.au/ethics-explainer-negativity-bias/
Dollars & Making Sense a weekly program about money, finance and investing.
2022-10-1747 minDollars and Making SenseBuy Now Pay Later (BNPL)We dig back into our archive to explore BNPL again (buy now pay later) to understand better what it is and why it is so popular. Angel or devil? Well we think devil so tune in to find out why, and how we'll dissect this over the next few programs as well. Dollars & Making Sense a weekly program about money, finance and investing.
@RNB
@Radio Northern Beaches
2022-10-1144 minDollars and Making SenseFinancial Stress and Mental HealthBeyond Blue have definitively linked poor mental health outcomes to financial stress - no surprises. Philippa Hunt discusses the outcomes this week on Dollars & Making Sense. Tune in to this week's show or podcast. We've provided the link to Beyond Blue's article as well.
2022-10-0346 minDollars and Making Senselnsurance and Your SuperLife insurance can be purchased both inside and outside of super, but what are the pros and cons? Tune in as we quiz Natasha Panagis from Tax & Super Australia on Dollars & Making Sense, a weekly program about finance, money & investing.
2022-10-0347 minDollars and Making SenseFuture of AdviceThe Quality of Advice Levy consultation paper is before Treasury for consideration. We discuss the outcomes here on Dollars & Making Sense.
2022-09-2646 minDollars and Making SenseQuality of AdviceThe Quality of Advice Levy consultation paper is before Treasury for consideration. We discuss the outcomes here on Dollars & Making Sense.
2022-09-2644 minDollars and Making SenseCompliance!We have a new guest this week, Alicia Pevely from Sophie Grace, Lawyers and specialists in financial industry compliance. Why is this important to you? When ever any financial product is sold in Australia, it has to be within a fully licensed environment. That is the first thing all consumers should be checking and looking for. This week, we explore the world of compliance with Alicia here on Dollars & Making Sense, a weekly program about money, finance and investing.
2022-09-0645 minDollars and Making SenseSuper, Women, KPMGPhilippa Hunt & I delve into an excellent paper produced by KPMG recently, click here for a free copy. It is fascinating reading and we discuss the options and recommendations here on Dollars & Making Sense, a weekly program about money, finance and investing.
2022-08-3046 minDollars and Making SenseTrading PlansWhen you buy shares, do you have a plan? Are you failing to plan or planning to fail? Joining me this week as acclaimed and best selling author on buying and selling shares, Louise Bedford discuss trading plans. We explore a range of ideas on how to better buy and sell shares here on Dollars & Making Sense, a weekly program about money, finance and investing.
2022-08-2247 minDollars and Making SenseTax ChangesHave you done your taxes yet? Well have a listen this week because a raft of changes have come into effect from 1 July 2022. Join me with Philippa Hunt from Wise Girls Money and we discuss these changes and their impact.
2022-08-1647 minDollars and Making SenseSuper ChangesA broad range of sweeping changes have come into effect from 1 July 2022. Natasha Panagis from Tax & Super Australia joins our show to discuss what these changes are, their impact, and why continuing to focus on super is so important to your long term financial goals.
2022-08-0948 minDollars and Making SenseFinancial Stress #2We continue our program on financial stress this week. Phillipa Hunt and I work through part 2 discussing the physiological impact of financial duress on the human body. It is tough out there, and some kindness can go a long way. Listen in to find out how.
2022-08-0245 minDollars and Making SenseFinancial StressMuch has been said about stress in the workplace and its impact on health outcomes. This week, Phillipa Hunt and I work through a 2 show format discussing the physiological impact of financial duress on the human body. It is tough out there, and some kindness can go a long way. Listen in to find out how.
2022-07-2646 min
Dollars and Making SenseFinancial EducationWe say hello to Philippa Hunt this week to discuss financial education. The cost of advice is now through the roof, so is there a DIY way to get this happening, or are we to be fed to the wolves? The Advice Industry changes are having an impact - and not always good.
2022-06-2748 minDollars and Making SenseAIOFP Conf Wrap UpPhil Osborne and Ray wrap up AIOFPs recent conference in Darwin. What's happening with the Advice Industry in relation to the change of government and how does this affect you?
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2022-06-2246 minDollars and Making SenseCapital Gains TaxContinuing our theme on estate planning, we are joined by Kirk Wilson, tax specialist from Tax & Super Australia to discuss the impact of Capital Gains Tax on assets and in particular inherited homes. Kirk is a subject matter expert with over 30 years of hands on experience, and his views and guidance are invaluable.
This educational interview is easy to understand and may save you bundles!
2022-06-0646 minDollars and Making SenseFASEA ReportWe catch up with Wise Girls Money's Phillipa Hunt and discuss her recently completed mental health survey* of the Advice community. Sobering reading and the output will be shortly presented to the incoming Fin Svcs Minister, Stephen Jones as part of a new Albanese Labor government.
Will the advice industry get lost in the noise? So listen in and find out why FPs are invaluable on Dollars & Making Sense.
FASEA = Financial Adviser Standards and Ethics Authority
* 900 participants
2022-05-3045 minDollars and Making SenseFinfluencersFinfluencers, who are they, WHAT are they. ASIC has recently taken a rather large stick to them, and killed the online "advice" overnight. Tune in this week as Philippa Hunt from Wise Girls Money and I dissect this online phenomena and why they were shut down.
2022-05-2345 minDollars and Making SenseWhat are bonds? -Fixed Income News AustraliaAn introduction to Bonds. This week we're joined by Liz Moran from Fixed Income News Australia (FINA) to talk all about bonds and what's involved. You know I'm an enthusiast when it comes to investing in this asset class, so who better to have talk about it than someone other than me! Liz is a long time player in this space, and has some great ideas and tips around Bonds.
2022-05-1746 minDollars and Making SenseFASEA SurveyWise Girls Money's Phillipa Hunt has recently completed a mental health survey* of the Advice community and it makes for fascinating, if not very concerning reading, particularly as we complete this current election cycle.
Will the advice industry get lost in the noise? After last weekend's debacle of a "leaders debate", highly likely so listen in and find out why FPs are invaluable on Dollars & Making Sense.
FASEA (Financial Adviser Standards and Ethics Authority)
* 900 participants
2022-05-0944 minDollars and Making SenseBNPL angel or devil?We're back, refreshed and fired up about BNPL - buy now, pay later.
Devil or angel? Phillipa Hunt and I explore the pros and cons of this incredibly popular way to purchase goods and services.
Or is this yet another debt trap? Have a listen and take the opportunity to listen to the experts on Dollars & Making Sense.
2022-05-0244 minDollars and Making SenseEndangered AdvisersFinancial advisers are an endangered species and the current government has done little to allay their fears nor abate their decline in membership and spiraling costs. Why should you care? Because having access to value for money advice will become increasingly important as we retire with more funds than ever before thanks to Keating's superannuation reforms. Listen in as we chat to Peter Johnston, Exec Director at the Assoc of Independently Owned Financial Professionals (AIOFP).
Take the opportunity to listen to the experts on Dollars & Making Sense.
2022-04-0546 minDollars and Making SenseWomen & WillsElderly women are being forced into more estate planning / end of life situations today because they are simply out living their male counterparts. Couple this with the disturbing fact that elderly women are also more likely to be homeless and be subject to potentially abusive situations. Join Phillipa Hunt from Wise Girls Money and Deena Janes from Elgen Estate Planning as we untangle this intricate web.
2022-03-2948 minDollars and Making SenseTail or Dog? -ComplianceCompliance in the advice & finance industry, is the "tail wagging the dog"? This week we return to Phil Osborne, compliance expert and Responsible Manager, who has been taking a closer look. There is more than meets the eye as we explore the wagging dog, fleas and all.
2022-03-2144 minDollars and Making SenseWomen & WillsPhilippa Hunt & Deena Janes join me this week to discuss women and wills. Dying used to be easier and following on from last week's show, we focus on matriarchs continuing to bear the burden of having to manage estates in their final years and why this is happening. Take the opportunity to listen to the experts on Dollars & Making Sense.
2022-03-1448 minDollars and Making SenseDo You Have a Will?Over 75% of Australians today don't have a valid will. This week we chat with Jonathan Elcombe and Deena Janes from LGen Estate Planning to find out why, and what we can do about it. Dying used to be easier I'm sure, there is much to consider so take the opportunity to listen to the experts on Dollars & Making Sense.
2022-03-0747 minDollars and Making SenseCrypto & SMSFsSo many people are now investing in Bitcoin & cryptocurrencies, but there are many traps for those who run their own Self Managed Super Funds (SMSFs), and we're not just talking about the tribulations of crypto investing alone. This week we draw upon Natasha Panagis from Tax & Superannuation Australia, a superannuation expert on the pros and cons for SMSF trustees to ponder over. Don't miss the opportunity to listen to expert opinion on Dollars & Making Sense.
2022-02-2842 minDollars and Making SenseWhy No Super?Its been almost 30 years since compulsory superannuation was legislated by the Keating government, so why is it that so many people still don't have super with retirement around the corner, or already upon them?
This week we delve into what and why we are in this situation with Philippa Hunt, founder of Wise Girls Money Magic, a website dedicated to financial education.
2022-02-2149 minDollars and Making SenseMoney Mind SetCan your mind set help or hinder your financial success? This week we delve into what makes a great "money mind set" with Philippa Hunt, founder of Wise Girls Money Magic, a website dedicated to financial education.
2022-02-1549 minDollars and Making SenseFinancial TherapyWelcome back to 2022 Dollars & Making Sense is on air again. This week we venture into Financial Therapy, based on a website that Philippa Hunt discovered. Amazingly, the Americans have formalised this role as an official association and qualifications/calling, just like a Financial Planner, doctor or lawyer! We discuss how this applies in an Australian setting.
2022-02-0748 minDollars and Making SenseCouples & Money Pt 3 - Dollars & Making SenseWe continue from last week's theme on "Couples & Money", and get back to Phillipa Hunt to continue her discussion and analysis of this subject. Our final of this 3 part series and what an education this has been. Join us as we provide some excellent tips and advice about money and couples.
This is our last recorded show for the year, we will revert to a "summer series" from next week until early Feb'22.
2021-12-1447 minDollars and Making SenseCouples & Money Pt 2We continue from last week's theme on "Couples & Money" part 2, this time the man's perspective with Phil Osborne and his take on this subject. Part 2 of a 3 part series talking about money and couples. What an education for me!! Join Phil Osborne and Ray Trevisan as we tackle some funny and thorny issues that surround money and couples.
2021-12-0746 minDollars and Making SenseCouples & Money Pt 1When is it the right time to talk to your new love (or even your old love!) about money? This week we start the first of a 3 part series talking about money and couples. What an education for me!! Join Philippa Hunt and Ray Trevisan as we tackle some funny and thorny issues that surround money and couples.
2021-11-2946 minDollars and Making SenseSpotting Red FlagsHow can you tell if the investment you're looking at is legit or not? This week we tackle a question that is often asked of us, how can you tell if you're being scammed or not? We're joined by Phil Osborne from Dirigere Advisory, a Compliance specialist who has seen more than his fair share of good investments and bad. We'll cover off some of the obvious and less obvious "red flags" that you should be on the look out for when choosing your next investment.
2021-11-2246 minDollars and Making SenseActually reach your goalsIf you fail to plan, you plan to fail! This week we discuss ACTUALLY reaching your financial goals, because a goal without a plan is just a wish - sound familiar? Join me with Philippa Hunt from Wise Girls Money Magic to put some reality around your goals and plan and really make a difference
Join us on Dollars & Making Sense, a weekly show about money, finance and investing.
2021-11-1547 minDollars and Making SenseComp Scheme of Last ResortPeter Johnston from the AIOFP joins us again after our last discussion about the Hayne Royal Commission. This time we discuss the Compensation Scheme of Last Resort and why the CSLR is so important to be critically reviewed before it is legislated by the Morrison government. Find out if this scheme applies to you, and how you file a compliant if you feel wronged by a financial institution.
2021-11-0846 minDollars and Making SenseCovid Money StressPhil Osborne joins me at the microphone this week to discuss how to deal with Covid Stress, and come out the other side in better shape than coming in. Did we plan well for this one in a 100 year event or not? What lessons can we learn for the next time, and will we have to wait another 100 years for an equally momentous occasion or something big just around the corner? Join us on Dollars & Making Sense, a weekly show about money, finance and investing.
2021-11-0147 minDollars and Making SenseHow to cope with the unexpected?How to cope with the unexpected? We all should be pretty good at this by now given the past two years.
Reflecting this back drop, we welcome Philippa with some great ideas and thoughts about short and long term ways to prepare for the financial bumps.
2021-10-2548 minDollars and Making SenseAIOFP- What's wrong with investment ratings and how can it be fixedThis week, we have a special guest, Peter Johnston from the Association of Independently Owned Financial Professionals (AIOFP)
The AIOFP recently wrote an open letter to Sen. Jane Hume, the Financial Services Minister in the current government and Mr Longo, the head of ASIC (Australian Securities and Investment Commission). Peter is passionate about his members and representing their best interests. Tune in to find out what's riled the AIOFP up, and why some action is needed.
2021-10-1845 minDollars and Making SenseEthics & FASEAThis week, we're joined by Phil Osborne from Philborne Consulting in discussing Ethics and FASEA - another one of our favorite TLAs (in fact a 5 letter acronym!).
Are Ethics still considered and are they important? We recently talked about ESG investing, the "E" standing for Ethical, but is it all its cracked up to be, and can we trust the Financial Services Industry to be ethical? All this and more about FASEA and why it's important to your long term financial health.
Join Ray & Phil this week on Radio Northern Beaches, or your favorite podcast pl...
2021-10-1145 minDollars and Making SenseFinancial HabitsWe welcome back to the microphone Philippa Hunt, from WiseGirlsMoneyMagic. Philippa who has recently left her thriving financial planning practice to start her new venture in financial education discusses how to establish good financial habits.
Tune into our weekly show about money, finance and investing or listen to our podcast. Every Tuesday morning on Radio Northern Beaches from 8am.
2021-10-0548 minDollars and Making SenseESG InvestingThis week on Dollars & Making Sense, Ray discusses ESG investing with Phil Osborne of Philborne Consulting. As a licensed Financial Planner, Phil explains this is an area of investing increasingly of interest particularly to the younger generation. What does ESG exactly stand for and why is it so important into the future?
Tune into our weekly show about money, finance and investing or listen to our podcast. Every Tuesday morning on Radio Northern Beaches from 8am.
2021-09-2847 minDollars and Making SenseMen Mars Women Venus Part 4We welcome back Philippa Hunt, author and founder of Wise Girls Money Magic (https://wisegirlsmoneymagic.com).
This week is part 4 of our series with Philippa where we're discussing the fundamental differences in the way women invest, manage and plan their finances compared to men.
The mental health and impact of Covid has affected women very differently to that of men. Today we discuss why this is so, and has the make up of the government ministry (aka lack of women representatives) makes an impact or not.
So tune in, have a listen either t...
2021-09-2145 minDollars and Making SenseUnlucky 13 Super Funds?YSYF - Your Super Your Future, a review of all super funds providing retail services in a $3Tn market place, what could possibly go wrong?
This week we discuss the outcomes of the YSFY deliberations that found 13 major super funds on the wrong side of the government's policy, and now having to "show cause". Simple right? As PJK always says "the devil is in the detail" and with Phil Osborne, our compliance expert, we dig deeper into why we should all be paying attention to what's happening in a market that is reaping over $30Bn pa in fe...
2021-09-1444 minDollars and Making SenseMen Mars Women Venus Part 3Our new show features Philippa Hunt, author and founder of Wise Girls Money Magic (https://wisegirlsmoneymagic.com/).
This week is part 3 of our series with Philippa where we're discussing the fundamental differences in the way women invest, manage and plan their finances compared to men.
This session focuses on the "Pink Pandemic" and how the impact of Covid 19 has hit men & women differently. Job casualisation, the Canberra sex bubble and how declining testosterone levels in men impact couples' relationships.
So tune in, have a listen either to our podcast or our regular radio s...
2021-09-0747 minDollars and Making SenseAdvice - Dollars & Making SenseOur new show features Phil Osborne, Responsible Manager, Financial Planner, Compliance Expert and founder of Philborne Financial Consulting (www.philborne.com).
In Phil's recent article "Take My Advice" in Tax & Super Australia, he provides some sage information and education on what types of advice are in the market today, and their very important differences.
Our conversation with Phil focusses on personal advice as well as General Advice, some wonderful information if you are investing your hard earned money.
So tune in, have a listen either to our podcast or our regular radio show...
2021-08-3145 minDollars and Making SenseWomen are from Venus and Men are from Mars - Part 2Our new show features Philippa Hunt, author and founder of Wise Girls Money Magic (https://wisegirlsmoneymagic.com/).
This week is part 2 of our series with Philippa where we're discussing the fundamental differences in the way women invest, manage and plan their finances compared to men.
This session focuses on the "Pink Pandemic" and how the impact of Covid 19 has hit men & women differently. Job casualisation, the Canberra sex bubble and how declining testosterone levels in men impact couples' relationships.
So tune in, have a listen either to our podcast or our regular radio s...
2021-08-2448 minDollars and Making SenseFinancial Planning ProcessWelcome to our relaunched Dollars & Making Sense weekly radio show with regular contributors Phil Osborne and Phillipa Hunt. This week in addition to Ray's usual market wrap, we revisit an earlier show with Phil and our discussion about regulation and the financial planning process. This show seeks to explain why Financial Planners do what they do, and why the process is in place. A valuable insight if you're considering seeking financial advice from an authorised, registered FP.
2021-08-1747 minDollars and Making SenseWomen are from Venus and Men are from Mars - Part 1We're back! We've had a 2 month hiatus as Karen & Lisa have decided to move on, lifestyle and commitments called and alas I bid them a sad farewell in our new show. We'll be joined now every 2 weeks by Philippa Hunt, author and founder of Wise Girls Money Magic (https://wisegirlsmoneymagic.com/).
This week and for the next 4 shows with Philippa, we'll be discussing the fundamental differences in the way women invest, manage and plan their finances compared to men.
We're not about the "battle of the sexes" - this topic is way too important to be...
2021-08-1049 min
Dollars and Making SenseDollars and Making Sense- Gambling and the Stock MarketIs investing in the stock market gambling? Join us as Ray, Lisa & Karen discuss gambling and the stock market.
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2020-06-0557 min