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Author: How To Money Australia

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Remember all that stuff that they didn't teach you in school? No? Well, How To Money is here to discuss everything from taxes to first jobs, superannuation to credit cards. Join Kate as she takes on the task of demystifying the confusing world of money, and helps kick start your financial education journey.
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In this episode of the How To Money Podcast, Kate spoke to Balaji Gopal, the Head of Product Strategy at Vanguard Australia, one of Australia's leading ETF providers. Kate and Balaji discuss what is investing, working out your investment goals, different investment products and the basic building blocks of a diversified portfolio.This episode was kindly supported by Etax Accountants, Australia's number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastVanguard Investments AustraliaHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
In this episode of the How To Money Podcast, Kate spoke to Tom from Goodments, a company helping to create a more sustainable future by making it easy to invest in good businesses. Goodments match you to over 2000 international shares and diversified ETFs that best fit your values. Kate and Tom discuss micro-investing, how to get started buying shares and filtering companies based on your values.This episode was kindly supported by Etax Accountants, Australia's number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastGoodments: goodments.comHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
65% of Australians don't know what their credit score is, do you?In this episode of the How To Money Podcast, Kate spoke to David from Credit Simple, a company that provides Australians with a free tool to check and monitor their credit score. Kate and Daniel discuss what credit scores are, how they're calculated, and how to check and improve your credit score.This episode was kindly supported by Etax Accountants, Australia's number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastCredit Simple: www.creditsimple.com.auHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
In this episode of the How To Money Podcast, Kate spoke to Jodie Hampshire, the Managing Director of Russell Investments Australia, one of the world's leading asset managers. Kate and Jodie discuss the value of financial advice for young Australian's and the role financial advisors can play in your life.This episode was kindly supported by Etax Accountants, Australia's number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastRussell Investments Australia: https://russellinvestments.com/auHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
In this episode of the How To Money Podcast, Kate spoke to Ben from Gecko, an online platform where you can rent out items around your home that you're not using for some extra cash. Kate and Ben discuss how Gecko works, opportunities in the sharing economy for extra cash, starting a company at university and some of the challenges young entrepreneurs can face.This episode was kindly supported by Etax Accountants, Australia's number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastGecko: https://web.geckoonline.com.au/HTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
In this episode of the How To Money Podcast, Kate spoke to Nathan from Wildcard, an app that gives you a portion of your pay every day, so you've always got money to spend. Kate and Nathan discuss saving and budgeting tips for young Aussies, the reverse budget (Wildcard method) and building good financial habits.This episode was kindly supported by Etax Accountants, Australia's number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastWildcard: www.wildcard.moneyHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
In this episode of the How To Money Podcast, Kate and Susan dive into the rise of neobanks and digital financial products in Australia. They discuss what neobanks are up to, how they differ from traditional institutions, regulation in Australia and why having more competition is good for you (the consumer).This episode was kindly supported by Etax Accountants, Australia's number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
In this episode of the How To Money Podcast Kate spoke to Ele from BetaShares, one of Australia's leading ETF providers. Kate and Ele discuss common myths about Exchange Traded Funds (ETFs), including the major misconception that they're just a passing phase (they're not)! For background on ETFs check out our first episode with BetaShares in Season 1.This episode was kindly supported by Etax Accountants, Australia's number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastBetaShares: betashares.com.auHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
In this episode of the How To Money Podcast Kate spoke to Dr Daniel Crosby, who is a psychologist and behavioural finance expert from the States. Kate and Daniel chat about the emotions impacting our financial decisions, mitigating our behavioural biases when we're investing and automating our finances. Side note - Kate discovered post recording that our Australian Superannuation assets totalled $2.8 trillion at the end of the March 2019 (as reported by the ASFA)!This episode was kindly supported by Etax Accountants, Australia's favourite online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastDr Daniel Crosby Twitter: @danielcrosbyThe Behavioral Investor: https://amzn.to/2Ke7Gx3HTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
We all want to make better financial decisions but we often don't have the time, don't know where to start or don't have the extra money to make these financial decisions. In this episode of the How To Money Podcast, we've invited Mark from Hip Money on the show, who has created a free app aimed designed to make paying off your mortgage a more engaging experience, so you can put more money aside and wipe years off your loan. We cover some of the things young Aussies should know prior to taking out a mortgage, how small changes add up and the benefits of automating your finances.This episode was kindly supported by Etax Accountants, Australia's number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.Show Notes: howtomoney.online/how-to-money-podcastHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
In this episode of the How To Money Podcast, we invited Ashley Debenham from Etax Accountants to cover tax return basics, plus provide you with tips to ensure you get the best possible tax refund. We also discuss some common dedications to keep an eye out for, and why it might be beneficial to source assistance from an accountant when doing your tax return. Please bear in mind the audio is a little more rustic than usual in the episode (as we recorded from different locations)!Etax Accountants: www.etax.com.auShow Notes: howtomoney.online/how-to-money-podcastHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
In this episode, Kate had the pleasure of chatting with Julia Lee, Equities Strategist from Bell Direct. We spoke about setting goals for the new financial year, things to look out for and reminding ourselves to use our tax return for good (it's not free money)! Julia also talks about a few stocks climbing the market at the moment, and where to invest outside of your bank account.Show Notes: howtomoney.online/how-to-money-podcastHTM Website: howtomoney.onlineHTM Twitter: @HowToMoneyAUSHTM Instagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
This episode of the How To Money Podcast covers what the Reserve Bank of Australia (RBA) actually does, the RBA cash rate, inflation and what the recent reduction in the cash rate means for us.The Reserve Banks job is to achieve price stability, full employment, and the economic prosperity and welfare of the Australian people. The RBA does this by using an inflation target to help keep inflation between 2-3%, on average, using the cash rate. The Reserve Bank Board meets eleven times a year, on the first Tuesday of the month, to decide what the cash rate should be. The cash rate has a strong influence over other interest rates, such as lending and deposit rates, and a reduction in the cash rate typically stimulates spending and inflation, while an increase in the cash rate typically dampens spending and inflation. Show Notes: howtomoney.online/how-to-money-podcastRBA Education: https://www.rba.gov.au/educationWebsite: howtomoney.onlineTwitter: @HowToMoneyAUSInstagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
When you enter the world of investing for the very first time, everything looks like a potential opportunity, and everyone online will be telling you something different. Look one direction you'll see someone promoting CFD trading, another way they'll be spruiking stocks and turn around to find another IPO for the next big thing! I get it, I really do, everyone's got something to sell or a point to get across, and maybe it really did work for them, but investing is already confusing enough without all these distractions. But that's what they are, distractions, and you don't want to waste years of opportunity and your hard-earned money chasing the next big thing. Investing can actually be quite simple if you can look past all the distractions and get rich quick schemes. This episode of the How To Money Podcast covers 10 ways to lose money when investing for the first time, and a few things to be mindful of when you are navigating the minefield that is Google.Show Notes: howtomoney.online/how-to-money-podcastWebsite: howtomoney.onlineTwitter: @HowToMoneyAUSInstagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!
Risk and investing is a tricky and very personal subject. Ask 10 people on a train their opinion on skydiving and you'll be sure to get a wide range of viewpoints, and it's exactly the same when it comes to an individual's view and tolerance of risk. In this episode, we dive into the different types of risks that might affect an investor, and why it's so important to be aware of the risks involved with an investment product and their personal risk tolerance! Show Notes: https://howtomoney.online/how-to-money-podcastWebsite: https://howtomoney.onlineTwitter: @HowToMoneyAUSInstagram: @HowToMoneyAUSPlease send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please make your own enquiries, and do some research - it's all on the web. Remember it's your money - take control!
Buying Shares in Australia

Buying Shares in Australia

2019-03-0700:26:193

So you're just about ready to start investing; you understand diversification, your risk tolerance and have a bit of an idea on how shares and ETFs work, but you've just realised that you're not actually sure how to buy this ETF or share you're really keen on. Luckily for you, we've had a few goes at setting up trading accounts through a handful of different platforms, and have bought and sold many shares and ETFs in Australia. So grab a chair and let us take you through the steps required to buy a share in Australia. Read our step by step guide to buying shares in Australia here https://howtomoney.online/2019/02/12/a-step-by-step-guide-to-buying-shares-in-australia/Comparison Sites • Canstar • Finder • Choice Send your questions, topic suggestions and feedback to us @HowToMoneyAUS on Twitter and Instagram or email us at howtomoneyaus@gmail.com. If you enjoyed the episode we'd be thrilled if you left us a review here on iTunes.Important InformationThe information on this blog and website is of a general and educational nature only. It does not take into account your individual financial situation, objectives or needs. You should consider your own financial position and requirements before making a decision, as we are not an advisory service. We recommend you consult a licensed financial adviser in order to assist you. The information is based on assumptions or market conditions which can change without notice, and this will impact the accuracy of the information provided.
Have you been following the events of the Banking Royal Commission, and everything that followed? I can't blame you if not, it's dragged on for the best part of a year, and although scandalous revelations were made regarding certain companies and practices in the financial services sector, it's been a highly political extravaganza.After many months, the final Royal Commission Report has been handed in by Commissioner Hayne. How many of the recommendations that both parties have committed to actually get implemented is yet to be seen, but it's started a conversation we weren't really having before.Keep reading at www.howtomoney.online/articlesResourcesRask Media: Your 30-second Guide To The Banking Royal Commission ReportBanking royal commission calls for compensation, crackdowns and an overhaul of financial regulatorsBanking Royal Commission: How Did We Get Here?Just a reminder that everything we cover in our podcast is financial education content only, we are not giving you any advice. If you do want advice go and speak to a qualified financial professional, or just do some research, preferably both - it's all on the web. Remember it's your money - take control.
As we head into 2019, you may have already started putting your New Year's resolutions together or setting some overall goals and intentions for the year ahead. Whatever your plans are for 2019, it's always a good goal to work on your personal finances and take actionable steps to increase your knowledge each year. Whether it's consolidating your superannuation accounts so you're not paying fees to multiple providers, cutting up your credit card or learning about Exchange Traded Funds (ETFs), now is the perfect time to take control of your finances.So...to help you get started here are 3 money misconceptions that you should let go of in 2019, to supercharge your financial goals! Read the full article at www.howtomoney.online/articlesSend your questions, topic suggestions and feedback to us @HowToMoneyAUS and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes.Just a reminder that everything we cover in our podcast is financial education content only, we are not giving you any advice. If you do want advice go and speak to a qualified financial professional, or just do some research, preferably both - it's all on the web. Remember it's your money - take control.
Welcome to another episode of the How To Money podcast! Join the How To Money team as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.In this episode Kate is joined by Ele from BetaShares to discuss Exchange Traded Funds (ETFs) and how investors can use them to diversify your investment portfolio. As always, check out the ASIC Moneysmart website for more information on ETFs and everything else money related.Send your questions, topic suggestions and feedback to us @HowToMoneyAUS and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes.Just a reminder that everything we cover in our podcast is financial education content only, we are not giving you any advice. If you do want advice go and speak to a qualified financial professional, or just do some research, preferably both - it's all on the web. Remember it's your money - take control.
Welcome to another episode of the How To Money podcast! Join Kate and Susan as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.In this episode Kate and Susan explore the basics of managed funds, the difference between unlisted and listed managed funds and some of the benefits and risks associated with them. As always, check out the ASIC Moneysmart website for more information on managed funds and everything else money related.Send your questions, topic suggestions and feedback to us @HowToMoneyAUS and if you enjoyed the episode we'd be thrilled if you left us a review here on iTunes.Just a reminder that everything we cover in our podcast is financial education content only, we are not giving you any advice. If you do want advice go and speak to a qualified financial professional, or just do some research, preferably both - it's all on the web. Remember it's your money - take control.
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