The Clever Investor Podcast

Ok, I admit to catching your eye with 'sexy' in the title and for most of you (with the exception to maybe accountants) the though of trying to start a budget is a million miles away from ever being sexy. But if you are struggling to make ends meet or want to one day buy that home or investment, you need to stop wasting time, wasting money and consider that a budget is a tool to help you get the j...

Part two of the battle of the major investment classes. We dip a toe into their past histories, the highs and lows. Take a look at the term Gearing and then the acquisition, borrowing and disposal costs for each one.  You get to find out who Franking Credit is and what CGT really means.  All this packed up and delivered faster than your Uber eats dinner. 

Should you investing in property or shares?  Its a question that many grapple with and sadly many put it in the too-hard basket and never do anything. We put the gloves on these long time adversaries and let them duke it out in 'The Clever Investor octagon'.  There are many reasons why you would pick one over the other. It will depend on your individual financial circumstances and goals. Listen to...

If you’ve been to any family multi-generational gathering, you would have heard a 20/30ish year old say ‘I’m never going to be able to afford to buy property.’   It's been hot topic around the BBQ grill for years and right now, you could say its boiling. Especially around the rising property prices in Sydney. Feeling frustrated about it?  We have a solution. We are personally inviting you, family,...

There is an old saying that 'if you fail to plan, you plan to fail'. A budget is a personal financial plan that you can use to make sure you have plenty of pay left at the end of the month.  Learning to make, plan and run your own Budget is a skill that takes time to perfect. The Benefits of Budgeting You take control of your money Avoid unnecessary debt Pay off debt faster Show banks you are a lo...

Property investment can be complex for first time investors. In our typical 'Clever Investor' style you know it doesn't have to be that way, follow these nine simple steps. #1 Have a Plan #2 Know your Numbers #3 Use a Mortgage Broker #4 Get Educated #5 Think with your Head #6 Avoid Negative People #7 All good things take Time #8 Use a Property Manager #9 Reflect, Review, Refocus

A terrible thing about growing up is thinking about all those grown-up things.  Understandably, dying is not something any of us really want to dwell on. However, if no will is found on that fateful day, it is usually presumed you passed away intestate. That is, without a will.  The best way to ensure you have covered all bases is to get advice from a licensed legal or estate planning professional...

Come along to this very special webinar event where we will help you explore the strategies behind what Rentvesting is, and how you can still own AND live in the location you love. If you have been faced with the difficult decision of wanting to buy, but not knowing if you can afford it in your chosen location? The ‘Great Australian Dream’ of owning your own home and being able to retire comfortab...

Have you been laying asleep at night thinking 'What really is a Contract of Sale?'  and when you've discovered the answer to that you'll be asking yourself... 'Can I sell or buy property in Australia without one?'  'Are all these contracts are the same ??' Oh you're hooked now........ Find out the answers to all of that and so much more by our studio guest Peter Ishak , property contract expert, a...

What does most people’s superannuation look like? Most Australians are in superannuation funds selected by their employer. And of the 15 million superannuation fund members, 40% of you have multiple accounts !!! That collectively costing you $2.6 billion in additional fees each year. 60% of Australians make no choice on how their super in invested, by default most of it is invested into the share...

Short term loans are not a new thing and since Adam was a boy there has been a need for quick no questions cash.   It's a well backed big business now as the Australian payday loan market has become a billion-dollar industry. With the growth and ease of the internet in our world its now estimated that 90% are applied for online. We look at what to watch out for when utilising this type of credit....

We talk about a very unique bank, we’ve all heard of it, but you can't get a credit card with them. They have no need for adverts on TV, they don't sponsor a footy team and you can't get a mortgage from this bank. Opening the lid on The Reserve Bank of Australia.   

This week Owun teaches us to no longer take that innocent piece of paper for granted. Within its great mysteries it harbours a multitude of must-have-information-bits and if you think its confusing to look at, then you can bet that the loan assessor at the bank will push your file into the to-hard basket. Owun lifts the lid on Gross and Net pays and introduces you to Beryl in payroll.  

You are not alone when you are trying to build your wealth, so please stop trying to do it all on your own.  Don't fall in to the horrid trap of spending time trying to Google(Edu)cate yourself. There are beautiful, qualified, trained, experts out there, waiting to join your team.  Who are they and what do they do?...welcome to this weeks show. 

Banks and other lenders use your credit score to decide if they feel you are a good or bad risk. Knowing what is on your credit file can help you understand why a lender might reject your application or get a great deal. Your credit score is calculated:   the amount of money you’ve borrowed the number of credit applications you’ve made whether you pay on time The score will be between zero and eit...

An introduction to The Clever Investor Podcast:  Do you wish that all things wealth and finance were much easier to understand and not presented by a bunch of beige cardigan wearing geeks. We are dishing up the easiest to understand finance program, served in bite-sized chunks, no show is any longer than 20 minutes, your brain will thank you as your knowledge grows. Hosted by Owun Taylor, a multip...