Dev Raga Personal Finance

In this episode we discuss the various ways you can use to calculate home office deductions. 1) short cut method, 2) fixed costs method, 3) actual costs method. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the infor...

After reading a lot online about people waiting to invest due to the uncertainty of next week's presidential elections, we discuss the presidential election cycle and how it affects the stock markets! The motto is always #stayinvested Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if t...

In this episode we discuss listener questions about de accumulation assets. The main topic is about work related clothing expenses with many examples to discuss real life scenarios. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, befor...

This is part 2 of my mini series on tax deductions. Let's discuss vehicle related expenses, travel expenses and the two main methods of car deductions! I also answer the most common question u get, active v passive investing and index v ETF investing. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you sho...

In this episode we will discuss the concept of income and deductions. There are differences between a tax deduction vs a tax credit. This is part 1 of a 6 part series on tax deductions. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, b...

In this episode we do a deep dive into the costs of owning an EV. I also discuss some of the quirks and annoyance of my EV - the Tesla model 3 SR+. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If yo...

In this episode we tackle the concepts of angel investing and venture capital. Thank you to Welwyn for topic suggestion. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financ...

In this episode we tackle bull and bear markets and discuss their definitions. We go into detail about various strategies active investors may want to employ when trading in these markets. We also tackle listener questions from a medical student called J! Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you...

In this episode we answer a listener question about 30-30-20-20 budget strategy. We take a detailed look at a financial plan, and the important elements of it. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the inform...

I was fortunate enough to be featured in an interview with Dr David Keir who is the host of Dental Head Start Podcast. In this episode we go back to the basics of finances, and discuss some of the pitfalls that health care professionals may come across when it comes to saving, expenses, debt, investing, and retirement. If you are new to my podcast channel, you can catch up on all the major princip...

In this episode, we will extend deeper into behaviour finance topics such as prospect theory and disposition effect! Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial...

In this episode, we will discuss the concept of utility, utility theory and how it's very relevant to our personal financial situation almost daily. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If y...

In this episode we answer listen questions about mortgages on personal homes and investment homes. We also dive deep into investment bonds! Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do cho...

In this episode we will discuss about bitcoin, which is a specific cryptocurrency. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosur...

In this episode we will discuss about blockchain technology and use analogies to understand its real world applications. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financ...

In this episode we will discuss the concept of liquidity when it comes to finances. Subtopics include: market liquidity, accounting liquidity, ratios, depth of market. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on th...

In this episode we will discuss the concept of an initial public offering (IPO). Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure...

In this episode we discuss the basics of superannuation and why it makes sense to maximise your super contributions. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial...

In this episode we will discuss listener questions about ETFs, LICs, and why sometimes doing nothing is the most important decision. We will go into details about bull traps, breakouts, stop loss orders, volume of orders, and candle stick graphs. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should c...

In this episode we discuss various asset allocation strategies and the concept of rebalancing. We also get geeky and discuss subtopics of rebalancing such as smart beta. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on...

In this episode we discuss the major pitfalls of passive investing, is there an index investing bubble, and what is over diversification? Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choos...

In this second part we continue to discuss fundamental stock analysis for active investors. We look at price to book ratio and what it means, along with other subtopics. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on...

In this episode, we discuss about the power of time in the market and discuss price to earnings ratio. We use examples to highlight the merits and potential pitfalls. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the...

In this episode, we discuss a listener question about the ASX 200 index. We also focus on corporate action and the various subtypes including mandatory and voluntary actions. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before actin...

In this episode we discuss the concept of financial risk and use examples to relate it to personal finance. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product r...