DiscoverDev Raga - Personal Finance Podcasts
Dev Raga - Personal Finance Podcasts

Dev Raga - Personal Finance Podcasts

Author: Dev Raga

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Dev Raga is a Melbourne (Australia) based podcaster who discusses common financial topics. This ranges from saving, investing, debt reduction, personal insurance and many more topics. He also gets really geeky about finance sometimes!

We are on Facebook: @DevRagaPersonalFinance
40 Episodes
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In this episode we discuss some basic rules about how to calculate house affordibability and borrowing capacity. We also discuss my personal budgeting rule of thumb.
In this episode we discuss aggressive savings rules. We also dwelve into Robo advisory services.
In this episode we discuss the shocking statistic ghat most Australians dont invest their money in shares. we also find out what an economic moat is and why it's important to identify.
In this episode we discuss the 4% withdrawal rate rule, and the multiply by 25 rule.
In this episode we discuss David Bach's new book, the pay yourself mantra, discuss the pay activ app and have a detailed look at listed investment companies.
In this episode I discuss some basic financial principles of travelling. Travelling is fun and should never affect your personal financial situation back home.
In this episode, I discuss the importance of wills. revisiting this topic and some of the key things to consider before setting one up. part 2 of the podcast is the investment property ticking time bomb.
In this episode I discuss the similarities and differences between index funds and etfs and how you need to do your sums to work out what's best for you!.
In this episode I discuss the concept of lifestyle creep and how it can seriously derail your retirement plans. there are things you can do to minimise it.
In this episode I tackle income investing with a particular focus on dividends. Dividends are a powerful way to create wealth. In Australia we are fortunate to avoid double taxation when it comes to dividends.
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Comments (9)

Abed Azizi

Would you not have to pay tax on your dividends which is gonna half them if your on the highest tax bracket?

May 5th
Reply

Dev Raga

Abed Azizi In Australia, dividends which are franked are treated preferentially when it comes to taxation. You are awarded franking credits which is used to offset your tax liability. So if you have a tax liability of $10K , and have accumulated $10K in tax credits, then your tax liability becomes zero despite having earned dividends (franked) through the year. Hope this helps.

May 13th
Reply

Abed Azizi

I have a question about debt recycle

May 5th
Reply

Dev Raga

Abed Azizi Yes. What is your question?

May 13th
Reply

Daniel Luu

Hi Raga, really enjoying your podcast! Just had a quick question, in this episode at 9.40 you talked about if for e.g. you had non-deductible loan at 5-6% it would equate to about 7-8% after tax return? Could you explain to me how you calculated this? Do you mean before tax return? Thanks!

Sep 5th
Reply

Dev Raga

Daniel Luu Yes. This is a rough calculation. This is because for a non deductible loan, you can't tax deduct the interest on the loan.

Nov 1st
Reply

Dev Raga

thanks raghu. much appreciated. planning more episodes.

Jul 27th
Reply

Raj

Good job Dev. very informative indeed. keep up the good work. Regards, Raghu

Jul 27th
Reply

Dev Raga

Raj Thanks. feedback welcome.

Dec 2nd
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