360 Money Matters

Welcome back to another episode of the Money Matters Podcast! With the end of the tax year approaching, the mad rush on planning for your end of financial year is upon us! Today we will guide your through some ideas you can look at to make the most of these last couple of weeks.   Whether it's setting aside surplus cash for superannuation, or paying off larger deductible expenses for this year ins...

Welcome back to another episode of the Money Matters Podcast! Today's podcast is all about making sure that we are protecting the greatest asset that you will likely ever have; your ability to generate income. That is where Income Protection comes in, designed to eliminate or offset the risks that come with losing your source of income or your job due to injury or illness.   While it is and sounds...

Welcome back to another episode of the Money Matters Podcast! After our last episode, we hope by now you have a better grasp of superannuation– because today we want to talk about Self-Managed Superfunds. While superannuation in its most basic form is a trust, with its own preservation rules and tax environment, SMSFs are not any different with the exception of a few small intricacies.   The impor...

Not all life insurance policies are created equal. When we say life insurance policies in this episode, we're also referring to permanent disability and income protection. In Australia as of now, we're already facing an immense underinsurance problem, which can leave people wondering how they will pay for bills and living expenses if something were to happen to their health.   It can be tempting t...

After a long time since the last increase in interest rate of the Reserve Bank of Australia(RBA), it's finally happened. Knowing that a lot of people are concerned about their mortgage repayments, it's only timely and appropriate that we discuss on this podcast the impact this increase will have on your personal cash flow as well as the broader economy.   The RBA's decision to increase rates has l...

Hello and welcome back to the 360 Money Matters podcast! If you're a first-time homebuyer that wants to break into the real estate market faster, then listen in on this episode! The biggest barrier for most first home buyers is usually the deposit that you need to put down on your first home. So enter this government initiative to help you accomplish just that.   The First Home Super Saver Scheme...

Hello and welcome back to the 360 Money Matters podcast! Today we will be talking about an investment vehicle that can not only assist in building your wealth or planning for a large expense but in a tax-effective structure.   For this episode, we'll be talking all about this investment vehicle; Investment Bonds, not to be confused with bonds, corporate bonds, and government bonds. This tax-effect...

Hello and welcome back to the 360 Money Matters podcast! For many, taking the first step into receiving financial advice can be a bit of a daunting step into the unknown for many. However, when that step is finally taken the advice process will very frequently uncover the need for good quality advice that is beyond the initial client instructions.   For this episode, our fellow financial planner,...

Hello and welcome back to the 360 Money Matters podcast! For many people income is not as simple as earning a regular salary. For many that earn commissions, are self employed or do seasonal work, income can be sporadic and irregular. While credit is a simple method of managing this cashflow, this can have many detrimental implications moving forward.   In this episode, we'll be discussing how you...

Hello and welcome back to the 360 Money Matters podcast! If you're tuning in, chances are you're interested in investing and creating wealth– one such method to increase your wealth is through property investment. When the property increases in value beyond what we have as a loan, this is what we can call 'equity'.   In this episode, we'll be talking about what equity is, how we can build it, and...

Hello and welcome back to the 360 Money Matters podcast! Whether you're a first-time investor or have plenty of experience, it is very easy for emotions and fear to get the better of you and for rational decisions to be blinded by emotion.   In this episode, we'll be turning a little more towards the psychology of investing, where we discuss the importance of continuing the course and blocking out...

Hello and welcome back to the 360 Money Matters podcast! Oftentimes, general insurance is overlooked and the priority is to get the cheapest possible rates and get the best deal for the price. However, when assessing a general insurance plan or strategy, the primary driver should always be the quality and conditions in the cover, with a secondary consideration placed on the cost of cover.   Joinin...

Hello and welcome back to the 360 Money Matters podcast! If you're looking to expand and grow your wealth in a more aggressive manner, exploring the concept of a Margin Loan can be a potential solution for this.   We've spoken before about how you can use debt to invest. In this episode, we're going to delve deeper into margin loans and how it can be used to magnify your gains. In addition, with m...

Hello and welcome back to the 360 Money Matters podcast! Saving is no easy task. Especially in our current day and age that encourages high consumerist lifestyles and an economy where many individuals and families are drowning in debt. The traditional solution would be to keep working hard, but the idea of carrying on in the workforce well beyond our 60s isn't a future not many of us want.   Today...

Hello and welcome back to the 360 Money Matters podcast! We have spoken a great deal about the power of investing. However when done correctly and managed appropriately, supercharging your wealth creation is possible, with the power of debt.   In this episode, we will discuss powerful strategies that will enable you to invest using debt in the correct manner. Additionally, we will go into detail i...

Hello and welcome back to the 360 Money Matters podcast! Not paying taxes is always an exciting concept. Today we are fighting Australia's War on Tax and showing you how you can create massive tax savings for you and your beneficiaries?   Superannuation has been the dominating topic of this podcast for the past few weeks. But for this episode, we're going to take a different approach to the topic...

Hello and welcome back to the 360 Money Matters podcast! Continuing from our previous episode's discussion on superannuation and getting money into it, we'd like to share some big news that is happening in the superannuation environment.   In this episode, we will be going over the six significant changes coming to superannuation and what these mean for you moving forward. In addition, we will als...

Hello and welcome back to the 360 Money Matters podcast! In one of our previous episodes, we talked all about superannuation and how it can contribute to your long-term wealth creation. In Australia, superannuation is one of the best tax opportunities you can get and provides you with an income stream once you retire.   In this episode, we'll expand more on this topic, specifically on superannuati...

Hello and welcome back to the 360 Money Matters podcast! If you've ever had experience in investing, you may have heard things like, "Buy low, sell high" Or  "Be fearful when others are greedy and be greedy when others are fearful". Those are all sound strategies but the truth is no one can ever know for certain when the right time is to invest. The idea and concept of investing are completely dif...

Hello and welcome back to the 360 Money Matters podcast! Property is one of the world's largest asset classes; your house probably is the most valuable asset you can own. And with property being a tangible asset whose value increases over time, this makes it a very attractive and lucrative market for people to safely invest in for the long term.   This week's episode serves as a masterclass on how...

Hello and welcome back to the 360 Money Matters podcast! Oftentimes when we see people addressing their financial planning strategy, they address it on an individual basis whether it be trying to get their estate in order or looking for avenues to generate passive income. But in reality, there are a lot of moving parts that have bearing on one another, which can make things complicated.   In this...

Hello and welcome back to the 360 Money Matters podcast! A new year means a new financial plan. The beginning of the year is the most opportune time to reflect back on the last twelve months and review all of your financial goals.  Wiith the holidays being a financial drain for many of us, we talk about how you can avoid "The Christmas Hangover" to stay on top of your spending and if you have over...

Hello and welcome back to the 360 Money Matters podcast! We're wrapping up the final episode of 2021 by returning back to the topic of investment, particularly, on the two main investment styles: active and passive investments. In this episode, we discuss the general differences between the two types and the strong investment principles behind them. Both camps carry their own unique intricacies th...

Hello and welcome back to the 360 Money Matters podcast! In this week's episode, we'll be unpacking the topic of mortgage brokers and to help us shine more light on this discussion, we'd like to introduce you to Mish Blecher, director of mortgage broking business and one of the founders of 360 Financial. We discuss the basics of mortgage broking in the world of residential loans, what value client...

Hello and welcome back to the 360 Money Matters podcast! The holiday season is fast approaching and that means you're probably planning your holiday spending-- gifts, socialising , eating out, vacations, all of that. And with that amount of spending, you might not always have the cash you need, which might tempt you to use a Buy Now, Pay Later service. Sounds great in concept, but it's not all tha...