Dollars and Making Sense

We 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.

This 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.

We 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 to our podcast or our regular radio show on Radio Northern Beaches every Tuesday morning from 8am.

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 fees. Listen in to our weekly broadcast on Radio Northern Beaches or our podcast on your favourite streaming platform.

Our 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 show on Radio Northern Beaches every Tuesday morning from 8am. And those of you interested in the 13 Super Funds that failed, here is the link to Greg Jericho's Guardian article.

Our 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 on Radio Northern Beaches every Tuesday morning from 8am.

Welcome 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.

We'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 treated this tritely, we're serious about why these differences exist and how best to deal with them. So tune in, have a listen either to our podcast or our regular radio show on Radio Northern Beaches every Tuesday morning from 8am.

Is investing in the stock market gambling? Join us as Ray, Lisa & Karen discuss gambling and the stock market. This is a test

Stuart Sheary from the Institute of Financial Professionals of Australia (www.ifpa.com.au) is back and this time, we're covering off what happens to your tax bill should you be made redundant or decide to volunteer to become redundant.  The rules and details are important if you want to receive some or all of your final payment/s paying the correct (read minimum) tax.  You know it makes Dollars & Making Sense.

After 2 years and more of political turmoil and much debate, the government has changed its mind on taxing unrealised gains in Super and introduced some taxation tiers as well.  We're joined by Natasha Panagis, subject matter expert from the Institute of Financial Professionals Australia (www.ifpa.com.au) to work through the details of what's changed and the impact.

A number of election cycles have passed, and Super is usually mentioned as a political football.  But today, we chat with Stuart Sheary, expert from the Institute of Financial Professionals of Australia (www.ifpa.com.au) to work through the details of the First Home Buyers Super Save Scheme (FHSSS).  It surprised me, as it will you, this policy has been around since 1 July 2017.  Let's get some details today on Dollars & Making Sense

Ian McLeod, principal of RP Emery Legal Agreements returns to chat to us about financial agreements.  Last year we featured 2 shows about binding financial agreements and prenuptial agreements which garnered a LOT of discussion and views.  In today's interview, we focus on timing of agreements and how important they can be in relationships and couples looking to "go the distance".  We also tackle the gnarly question of large traditional holdings like the family farm, and how they are handled.

Anna Venonnen from Coredata returns from her very insightful research last year about crypto investing.  Having recently completed a research article for Coredata in "Trends in Crypto Investing", what better way to find out then to go straight to the source.  Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no matter your background, investment posture or outlook.https://coredatainsights.com/cd-insights/australias-crypto-investors-2025/

This week, we follow up with part 2 of what is the difference between non-concessional contributions and concessional contributions in our superannuation system.  Natasha Panagis knows what she's talking about, so tune in to find out if for any range of reasons you over contribute without even knowing it.  This is important stuff for your retirement planning.

Stuart Sheary from IFPA (www.ifpa.com.au) joins us to work through a range of potential options that pensioners might consider to supplement their income.  Not everyone has the comfort of a fully loaded super account, and Stuart's suggestions are well worth considering when a number of them won't impact Centrelink payments.  Tune in and find out whether you (or your parents!), may be able to take advantage of these alternative income streams to supplement your livi

What is the difference between non-concessional contributions and concessional contributions in our superannuation system?  This week, Natasha Panagis, subject matter expert from IFPA (www.ifpa.com.au) joins us to discuss the differences and what happens if you exceed the limits in place.  Its not all bad news!  So tune in to find out what's going on, in this important part of your retirement planning.

Philippa Hunt from Wise Girls Money continues in Part 2 of the Future 2 Grants program and how it is being rolled out to a program of over 40s and under 40s women.  What are the key components of the program including the "why", not just the "how".  Tune in to find out what the future of the Future2 program is like at Wise Girls Money and Dollars & Making Sense.

Philippa Hunt from Wise Girls Money makes a welcome return to discuss the Future2 grants program and the strides being taken to assist women in need and promoting financial literacy.  True to the idiom, feed a village fish, they eat for a day, teach them how to fish sustainably, they feed themselves into the future.  We explore the program and how its being rolled out into Queen Chillenga's Kalgoorlie constituents and beyond.  Part 1 of an excellent 2 part series.

We welcome a new contributor, Nick Raphaely, Co-CEO and Co-Founder of AltX, a private credit provider that has a strong history.  In this show we look for some clarity on why Private Credit is all of a sudden the hottest topic in town.  Given private credit has been around for well over 20 years, this is a curious development in the Asset Class discussions given private credit is primarily a loan - fixed income investment.  Nick provides some excellent primer's into why this is a great investment choice, tinged with a hint of caution and "buyer beware".