Dollars and Making Sense

Natasha Panagis, superannuation expert for IFPA ( www.ifpa.com.au ) joins me this week to work through an expansive show in 2 parts covering the major changes happening in our superannuation system.  Part 1 will cover changes in Div 296 (I told you they wouldn't tax unrealised gains!) for super balances at $3m and $10m with some excellent examples of what the Div 296 will actually impact.  Its...

With International Women's Day being recently celebrated, we welcome back long time contributor to the show, Philippa Hunt from Wise Girls Money.  We're discussing progress in women's financial literacy, education and the continuing trend of independent women striking out on their own, despite some pop culture media suggesting directions should be the opposite.  FutureFund2 gets a revi...

This week, Justin Bott, Media Information Office from Services Australia (also known as Centrelink) comes on to discuss the pros and cons of reverse mortgages.  For many that have all their assets tied up in the family home, this could be a valuable way to unlock much needed cash flow.  But buyer beware, there are many traps as well as benefits.  We also discuss for those of pension age, the gover...

There are many misconceptions about the Aged Pension, who can access it, who is entitled to it, and what are the rules that surround applying for, and getting the Aged Pension.  This week, we welcome back Justin Bott, Media Information Officer from Services Australia, (better known as Centrelink).  Justin is a wealth of information and guides us through what "deeming" is, the income and...

Are you a travelling pensioner? Then tune in to listen to Justin Bott from Services Australia explain what is, and is not permissable under the Age Pension travel rules and regulations. Valuable information for grey nomads, both locally and internationally.

There's a lot of money sitting in the Medicare coffers at the moment that belongs to Australians who never bothered to claim their rebate. Tune in to listen to Justin Bott from Services Australia explain what to do, and how to retreive money that is rightfully yours.

Stuart Sheary from the Institute of Financial Professionals of Australia ( www.ifpa.com.au ) is back and this time, we're covering off what happens to your tax bill should you be made redundant or decide to volunteer to become redundant.  The rules and details are important if you want to receive some or all of your final payment/s paying the correct (read minimum) tax.  You know it makes Doll...

After 2 years and more of political turmoil and much debate, the government has changed its mind on taxing unrealised gains in Super and introduced some taxation tiers as well.  We're joined by Natasha Panagis, subject matter expert from the Institute of Financial Professionals Australia ( www.ifpa.com.au ) to work through the details of what's changed and the impact.

A number of election cycles have passed, and Super is usually mentioned as a political football.  But today, we chat with Stuart Sheary, expert from the Institute of Financial Professionals of Australia ( www.ifpa.com.au ) to work through the details of the First Home Buyers Super Save Scheme (FHSSS).  It surprised me, as it will you, this policy has been around since 1 July 2017.  Let's get s...

Ian McLeod, principal of RP Emery Legal Agreements returns to chat to us about financial agreements.  Last year we featured 2 shows about binding financial agreements and prenuptial agreements which garnered a LOT of discussion and views.  In today's interview, we focus on timing of agreements and how important they can be in relationships and couples looking to "go the distance".  W...

Anna Venonnen from Coredata returns from her very insightful research last year about crypto investing.  Having recently completed a research article for Coredata in "Trends in Crypto Investing", what better way to find out then to go straight to the source.  Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no...

This week, we follow up with part 2 of what is the difference between non-concessional contributions and concessional contributions in our superannuation system.  Natasha Panagis knows what she's talking about, so tune in to find out if for any range of reasons you over contribute without even knowing it.  This is important stuff for your retirement planning.

Stuart Sheary from IFPA ( www.ifpa.com.au ) joins us to work through a range of potential options that pensioners might consider to supplement their income.  Not everyone has the comfort of a fully loaded super account, and Stuart's suggestions are well worth considering when a number of them won't impact Centrelink payments.  Tune in and find out whether you (or your parents!), may be abl...

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...