Finance Hour on J-Air

  The customer service experience with Yoni Paluch Customer service is often the most overlooked part of any business. However, industries all over the world are changing their priorities, carefully analyzing customer data and looking to retain as many clients as they can - even if they have to throw ridiculous offers on the table. To explain this change in business mindset is Yoni Paluch, an expert on customer services and complaint management systems. He joins me today to explain how the world is becoming more customer-centric and the steps businesses large and small are taking to improve their customer service. He discusses the financial impact of customer retention and why it’s more practical to customer acquisition. Yoni describes the new ways companies are adapting to social media trends and how their strategies are heavily influenced by tracking customer data. He also explains why businesses should treat customer complaints seriously. “By 2020, customer experience will overtake price and product as the key brand differentiator.” - Yoni Paluch This week on The Finance Hour Podcast: Yoni's academic background and how he started in customer service. His thoughts on online data security and privacy. How personal data tracking can benefit consumers. How Telstra structured its customer service channels through outsourcing. What they did to make their services more customer-centric. How the "omnichannel" strategy can enhance the customer experience. What to expect from marketing strategies aimed at customer experience in the future. Why retaining customers is more cost-effective than acquiring new ones. His current line of work and why he left Telstra. Why companies should embrace customers who complain. Yoni Paluch’s top 3 tips for businesses looking to enhance their customer experience Embrace customer feedback. Keep aligned to the custom. Know your customer. Connect with Yoni Paluch: LinkedIn Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

With interest rates at all-time lows and likely to drop further, how do you generate reliable income your portfolio? Many people are looking to the share market.  To help us gain an understanding of the current market, my guest today is Michael O’Neill, Portfolio Manager at Investors Mutual Limited. Investors Mutual Limited is an Australian-based Equities Fund Manager. Michael explains increasing popularity of investment strategies which aim to generate income above the usual dividend stream paid by Australian companies. He also shares his view on the sustainability of the big four bank dividend policy. Don’t miss this week’s segment of Reuben’s Rant where I explain why the term “top end of town” has started to grate on me.  And stay tuned to the end of the episode for my Propellerhead of the Week segment to learn how the Get Reminded App can help you settle contracts, policies, and other documents before you get penalised. “Corrections are an inevitable part of the share market.”  -Michael O’Neill This week on The Finance Hour Podcast: The average rates for traditional low-risk sources of income. Are the dividends paid in the past going to be sustainable? How the banks will react to the current state of the market. Mitigating risks despite high market valuations. Why the majority of markets are trading on noise. Investors Mutual Limited’s business model and how they choose investments. Why the Australian market is unique compared to the rest of the world. High-risk and low-risk markets and where the average investor is exposed Resources Mentioned: Get Reminded App Covered Call definition Connect with Michael O’Neill: Investors Mutual Limited LinkedIn Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

FH069 Marketing your business with Joel Fixler You can create the best and most innovative product ever, but no one will buy it if they don’t even know it exists. Making sure consumers know you have something to sell is the essence of marketing. However, not all marketing methods are created equal, and it can be a confusing subject for anyone who isn’t well-versed. That’s where my guest Joel Fixler comes in. Joel is a Strategic Marketing Consultant at Binyan Co., a company that provides niche marketing consultations to large and small companies. Joel shares what Binyan Consulting’s goals are and how they help clients. He discusses the intricacies of digital marketing including the importance of regular marketing promotions, web design, and web content. He also explains why business owners shouldn’t be too hands-off when it comes to their marketing model. Don’t miss this week’s segment of Reuben’s Rant where I express my frustration on not securing any politicians in the show despite the upcoming elections. And stay tuned to the end of the episode for my Propellerhead of the Week segment to learn how the Zoom app can streamline your online team meetings. “The more you remove yourself from being involved in your marketing, the connection to your company is also removed.”  - Joel Fixler This week on The Finance Hour Podcast: What Binyan Co. is all about and their target clients. How he started working in the industry and their business model. The challenges they encountered as a startup and how they got around the red tape. Consumer engagement and how a business can improve its numbers. The importance of product distribution and marketing. The difference between marketing and “pounding the pavement.” Common mistakes large and small companies make in their marketing efforts. Web development and the different web platforms you can use. Joel’s suggestions on improving the podcast’s website and content. The amount of involvement a business owner should have in marketing. The top 3 tips for businesses to jumpstart their marketing Differentiate yourself Just pick a metric and understand it Try and have a go regularly   Resources Mentioned: Zoom Wix Wordpress Connect with Joel Fixler: Binyan Consulting LinkedIn   Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

Other than social activists, there’s another group large companies are constantly hearing from and they are the shareholder activists. What are shareholder activists and how do they affect the market? Jeremy Leibler joins me today to answer that question. Jeremy is a partner at Arnold Bloch Leibler, specialising in corporate law, mergers and acquisitions and shareholder activisim. He explains what shareholder activists are, their differences and similarities to social activists, and how much power they hold over large corporations. He discusses the rise of index fund investing and their impact on influencing corporate behaviour. Jeremy also describes what having cultural diversity means in a business setting. Don’t miss this week’s segment of Reuben’s Rant where I criticise with the notion that the Labor party just needs to waltz in and ‘assume the position.’ “You need to ensure cultural fit in any organization, but cultural fit doesn't mean everyone has to be the same.”  - Jeremy Leibler This week on The Finance Hour Podcast: What the term shareholder activism actually means and its difference from investors. How social activism affects shareholders and companies. The index funds in Australia and how they compare to those in the USA. Why many are moving their assets in index funds. Explaining the "two strikes rule" and how it can be used. What it means to have cultural diversity in a company. Why shareholder activism is a positive force in Australia. Resources Mentioned: Shareholder activism definition Solly Lew Myer article Perpetual Brickworks article Connect with Jeremy Leibler: Arnold Bloch Leibler LinkedIn Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

FH066 - Residential or commercial property The property market can be confusing. Buy and apartment or house? A shop or an office space? Residential or commercial? That’s a question my guest Tim Farrelly will answer today. Tim is the Principal of Farrelly’s Investment Strategy, an investment consulting company. He joins me to share his thoughts on the current state of the Australian market and how it has dramatically affected the property sector. I ask him whether now is a good time to buy for both owner occupiers and investors. Tim also describes the difference between residential and commercial property markets. Don’t miss this week’s segment of Reuben’s Rant where I discuss the truth about the Federal Budget surplus claim and why we’re not “back in the black.” “If the states have a big, sharp fall in revenue, the federal government has to make it up.”  - Tim Farrelly This week on The Finance Hour Podcast: Why residential markets have been on a continuous decline. The impact of small wage increases on loans and interest rates. What negative gearing is and how it affects market prices. The relationship between consumption numbers and housing prices. The fundamental difference between residential and commercial property. The difference in return if you buy for long term and buying for the next 12 months. The better bet between residential and commercial property. Connect with Tim Farrelly Farrelly’s Investment Strategy LinkedIn Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favourite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

Suffering from hearing loss is by no means a light matter. The way you live your life is affected and the expenses associated with treatments and consultations start to pile up. What if there was a way to streamline the process of seeing an audiologist and choosing the right type of hearing aid in the most cost-effective way possible? That’s what my guest, Noam Korbl along with his partner Akiva Szental, are addressing with Hearing Choices, a company that seeks to help people find the best type of hearing aid for them or their loved ones. Noam shares his inspiration for starting the company. He describes the problem with today’s hearing aid industry and how they want to solve it. He also explains how their process works and cites how a typical transaction would go. Don’t miss this week’s segment of Reuben’s Rant where I debunk the idea that share market returns reflect the market economy in the short term. “It's really important that customers see the value and virtue associated with the service component of being fitted with hearing aids.”  - Noam Korbl This week on The Finance Hour Podcast: What Hearing Choices is all about and why Noam and Akiva wanted to start this company. How they plan their marketing and lead generation strategies. The services they offer and how it would work in an actual transaction. Where they modeled their business regarding branding and advertising. The biggest challenges they've faced while growing this type of business. Managing your staff and making sure they're converting the right numbers. Why you don't want to just buy hearing aids from any online retail store. What's in store for their company in the future? Top 3 Tips for Starting a Tech Business: Make sure you choose your business partner wisely. Wait to concentrate on your business full-time for when you can start to justify a wage for yourself. Choose an office close to home. Resources Mentioned:  Government Rebate for Hearing Aids  Connect with Noam Korbl: Hearing Choices Akiva Szental LinkedIn Noam Korbl LinkedIn  See omnystudio.com/listener for privacy information.

Episode 65 - Buy banks or property with Roger Montgomery Let’s say you have only two investment options. Buy bank shares or invest in residential property. Which would you choose? That’s what my returning guest Roger Montgomery will try to answer. In this episode, Roger discusses the recent news coverage on market trends and how analysts and brokers see 2019. He shares why some of them are right and some of them are wrong. He also explains the effects of previous recessions and whether it’ll be just as bad or worse this year as well as describes his overall view on market valuations. Don’t miss this week’s segment of Reuben’s Rant where I express my opinion on the Government’s backflip on mortgage broker commission. “Globally - across all markets and all geographies over a 12-month period - there is zero correlation between the stock market and economic performance.”  - Roger Montgomery This week on The Finance Hour Podcast: The market fluctuations this year and market predictions. Why market volatility will be high in the coming months. Why Roger thinks that residential property prices are only going to keep falling this year. Roger’s outlook on short and long term market performance. Comparing previous recessions and the possibility of it being worse this year. Where he sees overall valuations at the moment. Resources Mentioned: Keeping Tabs On Property Connect with Roger Montgomery: Roger Montgomery official website LinkedIn Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

FH64 - Going green with Dion Epstein from Gstore Sustainability, energy efficiency, and becoming environmentally-friendly have become a major focus for business owners and individuals alike. Whether it’s due to the financial savings opportunity or their concern for the environment and global warming, many people seek cost-effective ways to “go green.” My guest today is Dion Epstein, the CEO of G-Store, a company that seeks to make houses run on efficient and sustainable energy systems. Dion joins me today to discuss what G-Store is and what drove him to start the company. He explains how government regulations and subsidies have impacted his business and the type of government rebates currently available to encourage consumers to go green. He also explains the financial benefits of investing in green technology from a consumer perspective and shares advice on what to consider when purchasing energy efficient systems.  “Definitely in Victoria, this is a fantastic time for people who want to reduce their electricity or their gas costs.”  - Dion Epstein This week on The Finance Hour Podcast: What G-Store is, why he started it, and their business focus. His inspiration in pursuing a career in environmental science and business. What his company looked when it was just starting and how it has evolved. How much money can the average consumer save with solar energy? Where they source their materials and how much it costs them. Their market predictions in their type of industry. Contingency plans in trying new ideas and when to get out of high-risk situations. Top 3 Tips for Retail & Service-Based Entrepreneurs: Be committed to a very high level of customer service. Hire the best people. Make sure you listen to your staff, listen to yourself, and keep innovating in a rapidly changing environment. Dion Epstein’s Rule of Thumb when Going Green: Look for a six to seven year payback period. Resources Mentioned: Victoria Government Sustainable Energy Rebate Solar Victoria Connect with Dion Epstein: G-Store LinkedIn Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

Episode 63 - Who will lend us the money Since the release of the Royal Commission report, there has been a lot of outrage within the financial industry - particularly with mortgage brokers. One of which is regarding how consumers will get mortgage loans in the future. My guest today is Grant Rheuben, the Senior Finance Broker at Loan Market. We discuss how the Royal Commission’s recommendations, which suggested banks to stop paying commissions for loan brokers, could impact the local economy. We discuss how this recommendation would inspire an anti-competitive environment and its impact on consumers applying for loans. We also discuss why the liberal and labour parties are supporting brokers and what this could mean for consumers as well as the future of the finance industry. Don’t miss this week’s segment of Reuben’s Rant where I share my concerns regarding the Australian government is using the Royal Commission as a ‘weapon of choice.” “There’s still lobbying to be done, but - all in all - we are going in the right direction.” - Grant Rheuben This week on The Finance Hour Podcast: Grant’s initial response to the new Royal Commission’s recommendation for banks to ban all commissions to loan brokers. Why the liberal and labour parties are supporting brokers. How the Royal Commission’s recommendations would create an anti-competitive environment and lead to higher interest rates and fees. Why Grant believes consumers will still have a choice between using a bank or using a broker. How the criteria for consumers to get a loan has changed since the Royal Commission report was released. What is the Housing Affordability Measure is? How banks and brokers conduct forensic analysis on a consumer’s spending to determine their loan affordability. Resources Mentioned: What the changes to mortgage brokers mean for you and your home loan -com article Labor proposes fixed-rate commission for mortgage brokers - The Guardian Connect with Grant Rheuben: Loan Market LinkedIn Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favourite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

Episode 62- The Royal Commission is here The Royal Commission Report finally came out, and as expected it had a lot of points I think are worthy of an extensive discussion. Joining me today to do just that is my friend James Williamson of Millhaven Financial Services. James and I analyse the Royal Commission Report’s take on financial advice and what it means for those of us in the financial sector. We exchange our interpretations on some of the more critical parts, particularly on personal and business relationships with banks. We also discuss some of the risks and regulations business owners will have to revisit as a response to the report.   Don’t miss this week’s segment of Reuben’s Rant where I share my thoughts on the government’s response to the report and why I believe it is unprecedented and way too politically charged.   “We have to be careful of not letting the compliance allow our fees to be pushed too high.”- James Williamson   This week on The Finance Hour Podcast: James' overview of the Royal Commission report. Some of the more noticeable changes in the report regarding financial advice. The effect of the report on people's relationships with their banks. The questions the report raised and what the people should expect. Businesses that should be worried about what the report states. Why this report might trigger a decrease in competition in the mortgage industry. Why the report plays into the upcoming elections. The significance and concerns in reducing commissions to zero. The risks and regulations businesses need to revisit after reading the report. Disclosing the lack of independence for financial planners.   Resource Mentioned Government’s Response to Royal Commission Mortgage Brokers and the Royal Commission Royal Commission Report   Connect with James Williamson: Millhaven Financial Services   Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favourite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.  See omnystudio.com/listener for privacy information.

How do you know if your business is running at its best? What changes do you apply if you find out it’s anything but efficient? That’s what Business Optimiser Brett Schwarz wants us to learn in today’s episode. Brett has extensive experience enabling businesses to operate at their best, creating value and growing sustainable profits at the same time. We discuss Brett’s journey; from  life as a student, an accountant, and the moment he realised he could help businesses grow. He compares startups today and startups from years back and explains the changes that enabled them to become prolific in recent years. He also discusses some of the critical aspects of working in someone else’s business and his tips for making a positive impact when you are the new face in a business. Don’t miss this week’s segment of Reuben’s Rant where I share my opinion on Chris Bowen’s politically motivated comments on the Royal Commission’s final report. “There are funds out there. You just got to have the right product and the right service.”- Brett Schwarz This week on The Finance Hour Podcast: Brett's academic background and why he chose to become an accountant. His early career and the companies he worked with. His opinion on FinTech companies and how they get their funding. The joys of being a public company and some of its drawbacks. The startup community today compared to a decade ago. What it's like starting and running your own startup. The impact you should leave in any company you work with. The lessons and skills he learned in his professional career. Changes and technologies they applied to make business more efficient. Resource Mentioned Ramler BlueChiip Surfaces by Hynes Connect with Brett Schwarz: Business Optimization - Transforming Business LinkedIn Phone: 0419 367590 Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favourite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.  See omnystudio.com/listener for privacy information.

  What has driven the major increase in share market volatility over the last few month. My guest today is Jon Reilly, the Chief Investment Officer at Implemented Portfolios. Implemented Portfolios is a company that helps financial advisers provide portfolio management solutions to their clients. Jon discusses various international events that can impact the share market volatility, such as the government shutdown in the U.S. the trade wars in China, and the upcoming Australian election. He also explains how these events can have a significant impact on your financial investments. Don’t miss this week’s segment of Reuben’s Rant where I react to the statistics we see on the 2019 Australian Open and how these numbers can be misleading. “Try to understand what the current potential catalyst for volatility are and whether they impact how you make decisions about what’s in your portfolio.”- Jon Reilly   This week on The Finance Hour Podcast: How big of a deal is the US government shutdown. How the US government shutdown is impacting paycheck-dependent Americans. How the economic conditions impact investment markets, share market, and the world. Is there more volatility now than there is in the past? Deciding whether to put your money in the bank or invest in shares. How Jon measures the attractiveness of various share markets. How much Apple lost in share price falls in less than six months. The big things that people should be watching for. The fluctuation of economic growth in the US that makes President Trump more erratic.   Resource Mentioned US Government Shutdown   Connect with Jon Reilly: Implemented Portfolios LinkedIn   Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favourite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.  See omnystudio.com/listener for privacy information.

Research shows that being in control of your finances is a critical part of your overall wellbeing. In particular, while debt can be used to help move your life forward, it’s also one of the greatest barriers to having financial freedom. How do you achieve financial freedom in a consumerist world? This is what today’s guest, Irit Harris, wants us to learn. Irit is the Founder of F-Empowered, a platform that empowers women to achieve their financial goals. In this episode, Irit discusses the idea of financial fitness. She shares her passion for finance and how she became interested in promoting financial literacy following the birth of her daughter. She explains why women find it difficult to be financially free and shares some of the tools and programs her platforms offers to members as well as a few great tips for startup founders to become financially fit. Don’t miss this week’s segment of Reuben’s Rant where I share my stance on the idea of executives and politicians leaving their posts to spend more time with their families. “Financial fitness is the person's ability to make confident money decisions resulting in financial security for now and the future.” - Irit Harris This week on The Finance Hour Podcast: Irit Harris' academic background and how she ended up in the financial industry. Why credit cards are costing Australians their financial freedom. How she defines financial fitness and financial empowerment. Irit’s financial literacy projects and goals for the future. The tools and programs F-Empowered offer her members. Her experience with being her own boss, its benefits and its drawbacks. How she makes the best decisions for her start-up. Irit Harris’s Top 3 Tips for startup founders: Get over your sunk-cost bias and listen to your data and what customers tell you. Seek mentors who can support you. Have the courage to make a difference. Irit Harris’s Top 3 Tips to be financially fit: Be the driver of your money. Unintentionally save intentionally. Be prepared for the unexpected and inevitable. Resources mentioned: Raiz FirstStep Acorns The Barefoot Investor by Scott Pape Connect with Irit Harris: F-Empowered LinkedIn Facebook Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.  See omnystudio.com/listener for privacy information.

FH058 - Taming the data beast We collectively send and receive an enormous amount of data every second, and with the way things are going, it doesn’t look like we’ll be stopping anytime soon. While the sheer size does seem intimidating, businesses would do best to know exactly what their data tells them and how they should move forward. For that, they need the help of an expert like Mitch Tomazic, the Business Solutions Director for Unify Services. He describes his job, the services his company offers, and some of the solutions they have discovered for specific businesses. He explains how data has evolved over the years and its effect on today’s marketing practices. Mitch also discusses the systems they supply, the challenges they face, and the future of data services and analytics. Don’t miss this week’s segment of Reuben’s Rant where I share my opinions on Lawyer X, how police should deal with drug dealers, and why we shouldn’t harshly judge the police. “Ultimately, in most businesses, you want to know the right ratio of staff to customers at any particular time.” - Mitch Tomazic This week on The Finance Hour Podcast: What Mitch does and how their company interprets and analyzes data. The types of data that are the most complex for businesses. Examples of how they interpret data sets and their use. Why retail is a great place to find efficiencies and improvements in business. Knowing what's wrong when your marketing is not converting. The three different systems they supply, depending on what their clients require. How do telecommunication companies analyze customer data? Why there is no value in report creation. Their team, their individual functions, and their responsibilities. The future of internet connectivity and how it will affect data services. Mitch Tomazic’s Top 3 Tips for businesses to make better use of the data: Don't bite off more than you can chew. Don't lose focus of why you're actually doing this. You can start for free, right now. Connect with Mitch Tomazic: Unify Services LinkedIn Phone: 1300 864 397 Subscribe to The Finance Hour Podcast with Reuben Zelwer!  Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

 Episode 57 - Starting a movement with Steve Crawford Financial advice in some form should be accessible to everyone. Whilst we often associate financial advice with investments and managing cashflow, changing behavior around money management and measuring progress towards lifestyle goals, does not receive as much attention as it should. My gest today is Steve Crawford, Advice Leader of The Advice Movement. He sheds light on the importance of financial literacy in today’s constantly shifting economic climate. He discusses his role as the founder of The Advice Movement which is driving change in the way financial advice is provided to the Gen X and Gen Y population. He also shares some of the problems he sees in the financial industry, describes how he and his team seek to solve them and explains how a financial adviser can benefit you regardless of financial status. Don’t miss this week’s segment of Reuben’s Rant where I share my opinion on Julia Banks defecting from the Liberal Party and why I think it’s not right. “The fear of making the wrong decision sort of keeps everybody thinking they need to stay inside the system and dependent on it. We’re really just trying to break that right from the outset.” - Steve Crawford   This week on The Finance Hour Podcast: What drove Steve to start the Advice Movement? His thoughts on what the financial industry is today and who it serves. Why the industry is set up to keep everybody confused. The percentage of licenses in the country owned by four banks. Problems in the financial industry today and the solutions he proposes. How the industry changed over the past ten years. His thoughts on industry disruptors and how you can prepare for it. What the Advice Movements looks like right now and where it is headed.   Connect with Steve Crawford The Advice Movement Experience Wealth Facebook LinkedIn Twitter #LTMA19 event   Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

Episode 56 - How low can house prices go Has the price of your house fallen by 10%, 15% or even 20%? Who do you believe? The newspaper, your local real estate agent or trusted financial planner? To help shed light on the subject, we have podcast favorite Tim Farrelly. Tim is the owner of Farrelly’s Investment Strategy, a company that provides consulting services to wealth managers. He joins me today to discuss the topic of house prices and just how low they can actually go. Tim shares reliable sources of financial and property data, discusses bank implications on price corrections, and shares his insights on house pricing trends in Australia. Don’t miss this week’s segment of Reuben’s Rant where I share my opinion on whether it’s proper for banks to look at your expenses line by line before approving your loan application. "If everything the government did was sensible, we'd all be better off.” - Tim Farelly This week on The Finance Hour Podcast: Tim's views on the recent economic conditions in Australia. Interest rates and the implications for borrowers. The big driver of bank profit growth in the past few years. His expectations regarding loan growth in the short-term. A reliable on-line source for property prices. How the real estate industry makes the law of supply and demand complicated. Possible short and long-term scenarios on the effects of interest rate fluctuations. Is there more uncertainty today than there was in the past? His concerns regarding the growth of the Chinese economy. Resources Mentioned: CoreLogic Connect with Tim Farrelly: LinkedIn Farrelly’s Investment Strategy Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

In modern times, we’ve come a long way when it comes to gender equality. Yet there still persist, stubborn problems - particularly in the workforce. Gabi Crafti is a barrister specialising in regulatory matters and commercial law and the founder of the Jewish Professional Women’s Network. She joins me to share her thoughts on the various subjects concerning women and the professional world. She discusses pressing matters concerning gender inequality and underrepresentation in the workplace. She describes issues women still experience in the work force, specifically the gender pay gap and sexual harassment. Gabi also suggests ways for men to get involved in fighting for gender equality, even if they’re not feminists themselves. Don’t miss this week’s segment of Reuben’s Rant where I describe why big businesses who don’t pay small businesses right away are hurting not just the latter, but the economy too. "You cannot talk about feminism without bringing men into the conversation.” - Gabi Crafti   This week on The Finance Hour Podcast: Gabi's professional career and the inspiration behind the Jewish Professionals Women's Network. Distinctions between female representation on boards and in professions. Why women are treated differently when they take a break from work. The representation problems the Liberal Party has and what they can do to solve them. Her thoughts on the gender pay gap issue and the #MeToo movement. Why women find it difficult to complain about sexual harassment in the workplace. How she encourages people to come forward regarding sexual harassment. The role men should play in the #MeToo movement. Projects their group are currently working on.   Gabi Crafti’s Top 3 Tips For Women Managing Their Career: Run your own race. Find a sponsor. Be brave.   Resources Mentioned: Lean In book by Sheryl Sandberg Male Champions of Change   Connect with Gabi Crafti: Jewish Professional Women’s Network Facebook LinkedIn Gabi’s LinkedIn Vicbar Profile   Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

Episode 54 - The battle for the State of Victoria If you thought the U.S. Elections were hot, then you haven’t experienced the heat of a Victorian State Election which is to be held on the 24th of November. In recognition, I decided to bring on two of the most prominent candidates in this year’s election -  David Southwick is the current state member in the Victorian parliament for the city of Caulfield represents the Liberal Party, and Philip Dalidakis is the state member for Southern Metropolitan Region. They discuss their platforms and projects regarding small businesses and the industries they see as most important for Victoria. They also explain some of the changes they want to implement to further Victoria’s economy and share the steps they will take to make it happen. And, of course, there’s also a bit of good old fashioned political mudslinging between the candidates Don’t miss this week’s segment of Reuben’s Rant where I share my thoughts on Australian Gambling Tycoon James Packer and the problems he faced with too much debt. "One of the things our government needs to do is to stop making it harder for businesses." - David Southwick “Businesses need to be able to compete with each other. That's the fundamental tenet of our private sector.” - Philip Dalidakis  This week on The Finance Hour Podcast: David's and Philip’s proposals to help small businesses. The industries that offer the biggest opportunities for growth. How the Liberal party plans to solve the problem of urban congestion. The enormous opportunities for usage of the Caulfield racecourse. Reforms and policies David's party want to implement when elected. Philip's thoughts on energy costs and coal plants. How vulnerable is the budget to a drop in property price and transactions? What the electorate can look forward to regarding trading in Victoria. How Philip actively promotes the digital economy in Victoria. Resources Mentioned Victoria Electoral Commission Connect with David Southwick: David Southwick official website Connect with Philip Dalidakis: Philip Dalidakis official website Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.

Episode 53 - Where we work Working from home is said to be the most comfortable way to earn money, but the co-working space industry has been slowly and steadily growing at the same time. What’s up with this trend? This is the question my guest Michael Benson will answer in today’s episode. Michael is the CEO at Worskpace365, a business that provides co-working space services. He discusses the current co-working space trend and why work-from-home people are now renting office space. He explains the many benefits of working in an office space, the perks of the rooms they offer, and the factors that drive the demand for this type of business. He also describes the challenges of being in a competitive industry. Don’t miss this week’s segment of Reuben’s Rant where I share my bad experience with my bank lender and the unnecessary interest rate hike they issued. And stay tuned to the end of the episode for my Propellerhead of the Week segment to learn how the LastPass extension can virtually remove any need to remember any password for any website you browse without sacrificing security. “It just makes perfect sense to be in a flexible work environment.’” - Michael Benson This week on The Finance Hour Podcast: The company motto and how it translates to what they do as a company. What their offices look like and what they offer clients - beyond just desks. How they meet the specific needs of each client. The number of people each office can house. Factors driving the current demand for co-working spaces. How the costs stack up between clients renting and getting their own space. The number of people needed to manage this kind of business. The challenges of running a co-working space business. Virtual office spaces and whether they're still relevant. Michael Benson’s Top 3 Tips When Considering Shared Office Spaces: Choose a space with a wide meeting room. Good air conditioning. Pleasant staff and great reception. Connect with Michael Benson: Workspace365 Facebook LinkedIn Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends andSee omnystudio.com/listener for privacy information.

Episode 52.  Start-Up Nation When it comes to business, Australia and Israel share a tightly-knit relationship. What makes Australia such a good place for Israeli companies to expand to? That’s what my guest for today will answer. Harry Kingsley is a partner at Holding Redlich, a law firm that deals with legal matters in the areas of administrative, construction & infrastructure, and competition & consumer laws among many others. Harry discusses in detail on just what makes Australia such a prime country to expand to and why Israeli companies are quite fond of it. He shares his insights on the kind of startup companies that come here and briefly describes the ones that succeed and the ones that fail. He also explains how compliance and regulations play a role in the expansion of Israeli companies. Don’t miss this week’s segment of Reuben’s Rant where I share why I believe using the excuse “I want to go home” by AFL players that ask for a trade is soft and unprofessional. “Every now and again, you see a company and you think ‘Wow, I've never seen anything like this before.’” - Harry Kingsley   This week on The Finance Hour Podcast: What his role is now and how he got to where he is today. The kind of companies that come to Australia and why. Israeli companies that have thrived in Australia. Similarities and differences between Australia and Israel from a business perspective. The changes Israeli companies need to make to become successful in Australia. Backdoor listed companies and how they affect the Australian market. His insights on what makes Australian businesses tick.   Resources Mentioned: Australia-Israel Chamber of Commerce Start-Up Nation by Dan Senor and Saul Singer   Connect with Harry Kingsley: Holding Redlich Harry Kingsley on LinkedIn   Subscribe to The Finance Hour Podcast with Reuben Zelwer! Thanks for tuning into this week’s episode of The Finance Hour Podcast with your host, Reuben Zelwer! If you enjoyed this episode, please head over to iTunes to leave us a rate and review. Subscribe to the show so you never miss an episode and don’t forget to share your favorite episodes with your friends and colleagues. To learn more about Adapt Wealth Management and to connect with Reuben, visit our website or follow us on Facebook and Twitter.See omnystudio.com/listener for privacy information.