Dollars and Making Sense

What is the difference between non-concessional contributions and concessional contributions in our superannuation system?  This week, Natasha Panagis, subject matter expert from IFPA ( www.ifpa.com.au ) joins us to discuss the differences and what happens if you exceed the limits in place.  Its not all bad news!  So tune in to find out what's going on, in this important part of your retirement pl...

Philippa Hunt from Wise Girls Money continues in Part 2 of the Future 2 Grants program and how it is being rolled out to a program of over 40s and under 40s women.  What are the key components of the program including the "why", not just the "how".  Tune in to find out what the future of the Future2 program is like at Wise Girls Money and Dollars & Making Sense.

Philippa Hunt from Wise Girls Money makes a welcome return to discuss the Future2 grants program and the strides being taken to assist women in need and promoting financial literacy.  True to the idiom, feed a village fish, they eat for a day, teach them how to fish sustainably, they feed themselves into the future.  We explore the program and how its being rolled out into Queen Chillenga's Ka...

We welcome a new contributor, Nick Raphaely, Co-CEO and Co-Founder of AltX, a private credit provider that has a strong history.  In this show we look for some clarity on why Private Credit is all of a sudden the hottest topic in town.  Given private credit has been around for well over 20 years, this is a curious development in the Asset Class discussions given private credit is primarily a loan...

Can your parents help you buy a home or gift money or assets without affecting their payments or estate planning?  After listening to this episode featuring Justin Bott, Media Information Officer from Services Australia (Centrelink) you're likely to think that is NOT the case.  There is impact everywhere you look when Mum & Dad decide they'd like to help out, and even with the best of...

We continue our discussion on dealing with couples that fight over money and the causes and potential solutions.  Drawing on some excellent research from the Journal of Social & Personal Relationships done in 2023, we discuss important issues around themes in a couple including fairness, equality and balance, together with compromise and approaches to better budgeting and financial management...

Justin Bott, Media Information Officer from Services Australia (Centrelink) is welcomed back as Scam Awareness week comes and goes.  A great refresher on what to do and NOT do to avoid being scammed.  The losses keep accumulating, and don't think you're immune, even the brightest, savviest out there have been stung.  Tune in to find out what the latest happenings are on Dollars & Makin...

We welcome back Queen Chilenga, a financial social worker providing education and coaching in the Kalgoorlie community is eastern WA.  Queen has first hand experience in dealing with couples that fight over money and the causes and potential solutions.  Drawing on some excellent research from the Journal of Social & Personal Relationships done in 2023, we discuss important issues around themes...

Maybe there's a silver lining to the proposed super tax.  Michelle Griffiths of TAG Financial Services returns to put forward some great ideas about what can be done about working with the proposed new super tax structures.  Maybe the sky isn't falling down around our ears at this time?  Check this interview out for great tips and tricks on the next steps in adjusting and calibrating your...

A year ago Biden was still in the presidential race, Trump had been shot and Albo was written off by the media as a lost cause.  So what's happened in 12 months, and what's the impact on investing, money supply, interest rates and the general outlook?  We welcome back CEO of Coredata, of the world's leading financial research houses to discuss what's going on, and whether "bor...

We welcome a new guest this week, Paul Miron from MSquared Capital who will explain what is private credit.  Why is it so popular now and what are some key requirements to keep in mind when considering investing in this emerging asset class.  Private credit is not new however the growth of the sector in the past 5 years has made it a special case for increased education, one that OTG Capital and m...

We welcome back Stuart Sheary, subject matter expert from the Institute of Financial Professionals Australia ( www.ifpa.com.au ) to discuss what are the common tips and traps surrounding contributions to your retirement (superannuation!).  There is much discussion at this time around proposed legislative changes, yet many are still forgetting the basics, and its worth going back over for sure.  Th...

If you're getting payments from Services Australia, its part of your responsibilities to let them know when things change.  It may surprise you, but the government don't monitor everything you do, and no, they can't read your minds either.  We welcome back Justin Bott, Community Information Officer to assist in explaining what needs to be done to ensure you continue to get the right ra...

What is the $3m super cap all about?  We welcome back Stuart Sheary, subject matter expert from IFPA ( www.ifpa.com.au ) to help explain all the proposed changes that are being legislated later this year when parliarment resits.  Is the sky falling down, or are we right to be concerned.  Is this just a negotiating strategy to ask for a lot and then settle on a something more acceptable.  Stuart an...

Now is the time to be preparing for your tax returns and if you're receiving a government payment of any sort, we have Justin Bott from Services Australia to explain what needs to be done.  There are certain things you can do to make those tasks easier which includes the government website and some easy calculator tools. Tune in to find out a great freeby offer to help those who might struggle...

In our final installment on life cover inside superannuation, Natasha Panagis from IFPA elaborates on the detail of temporary incapacity and how that varies with the other types of life cover in previous episodes.  There are tax benefits and tips & traps to be aware of, tune in to find out why this form of cover is increasingly important for those needing to ensure continuity of earnings.  Thi...

Go woke, go broke?  Maybe not, we meet Ray Kan from  Daintree Wealth , an experienced financial planner that specialises in ethical investing and has a track record to show that doing the right thing can pay off, just as well as making other choices.  Even though many industries today are legal, we may not always be comfortable putting our long term faith and investments in those fields.  Ray disc...

Its back to basics time.  We're joined this week with Queen Chilenga from Money Fitness Hub based in Kalgoorlie, WA.  Queen specialises in social work and supporting people in financial stress and those in need of the basics.  Its not always about millions, sometimes its simply about making ends meet, and many in the community struggle with the basics.  We work through some of the challenges o...

We continue our series on life insurance in superannuation with Natasha Panagis from the Institute of Financial Professionals of Australia (ifpa.com.au) as she joins us for part 3 of a 4 part series on life insurance cover inside superannuation.  Today we're discussing TPD, temporary & permanent disability cover.  The big conundrum of any versus own occupation cover and what is and is not...

We welcome a new presenter to the show, Kerry Said from Wealth Creation Advisors.  Kerry is a 30 year industry veteran who specialises in SMSFs and working with clients to achieve their financial goals.  Constructing a long term investment portfolio can be relatively simply if you follow some basic steps.  Six of them in fact! And we're covering them off in today's show, check out the blog...

We continue our series on life insurance in superannuation with Natasha Panagis from the Institute of Financial Professionals of Australia (ifpa.com.au) as she joins us for part 2 of a 4 part series on life insurance cover inside superannuation.  Today we're discussing terminal illness cover and what constitutes correct conditions of release for APRA funds as well as SMSFs.  What are the impli...

Natasha Panagis from the Institute of Financial Professionals of Australia (ifpa.com.au) joins us for part 1 of a 4 part series on life insurance cover inside superannuation.  Today we're discussing life insurance, beneficiaries and the difference between super beneficiaries and tax beneficiaries.  Pros and cons of taking life insurance within the super environment, all on Dollars & Making...

Justin Bott, Information Officer from Services Australia joins us again in discussing 4 very important documents you need to consider for Estate Planning.  Now we usually don't like to discuss dying, however by planning better, we gift our family and friends with the knowledge and understanding of what we want done not only when we pass away in a Will, but also if we become incapacitated in so...

Justin Bott, Information Office from Services Australia (Centrelink) joins us again to work through free money.  Yes, "free money", money that is yours but you've either forgotten to claim it, or forgotten about it.  We cover off easy ones like lost superannuation sitting in too many accounts that you've lost track of, through to old banks accounts, investments you no longer thou...

Philippa Hunt joins us for 2025s first recorded session and its very topical as the massive intergenerational transfer of wealth is underway, and women with property transactions will be the ones most likely in the front of the wave of money hitting the trenches.  All is not well as we discover as Philippa, a fully qualified financial planner and physcoligist explains.  There are many facets to co...