The Savings Tip Jar

This week we spoke to Julie Blanchard, the head of online savings at Rabobank, to explain Rabo's distinct banking 'co-op' model in Australia, and how it exists to service farmers and their funding needs. 00:00-00:40 – Intro 00:40-02:13 – Rabo’s 5.75% p.a. savings account 02:13-04:05 – The agribusiness model explained 04:05-05:58 – Unique needs of farmers 05:58-07:55 – Saving on food wa...

On episode 79 of the pod we were joined by Julie Blanchard, the head of online savings at Rabobank. Now Rabo is a bit of an interesting player in the banking landscape as it doesn't have retail loan products, and serves solely to provide loans to high quality agriculture borrowers. To do this it needs to attract customer deposits, and what better way to do that than to offer a juicy savings ac...

Teens have one big advantage: Time. As Bernadette explains, while they may not have the capital, they have time. And as the old saying goes, it's all about Time IN the market, not timing the market. Bern runs us through some tips for teens to invest, and how they can get started. They'll likely need a custodial account (i.e. parental support) first. For more, visit InfoChoice to see the fu...

This week we spoke to PropTrack senior economist Eleanor Creagh on the latest month of home price growth, the 20th consecutive month. We discussed what's driving this, if more confidence to sell could be a good thing for buyers, if there's any credibility to property doomsayers, and why Melbourne, Canberra and Hobart are the market laggards. 00:00-00:25 - Intro 00:25-01:53 - Explaining the...

This week we spoke to PropTrack senior economist Eleanor Creagh on the latest month of home price growth, the 20th consecutive month. We discussed what's driving this, if more confidence to sell could be a good thing for buyers, if there's any credibility to property doomsayers, and why Melbourne, Canberra and Hobart are the market laggards. Plus we chat to InfoChoice journalist Bernadette...

Some new Domain research found those selling their home for a profit stood to make $395k on the median. And most homes are selling for a profit, no matter what region or city you live, despite some cities performing worse than others. Here to break all that down is Emma Duffy, the editor at Your Investment Property Magazine. Which, by the way, there's a new edition coming out very soon so keep...

This week we had on a friend of the podcast, Warren Hogan. He's the chief economic adviser at Judo Bank, and we chatted about the reasons behind the scenes that the likes of CBA and Westpac have been able to slash mortgage rates. Perhaps more interesting was CBA, which cut variable rates for new customers in a re-entry into the mortgage wars. All this feeds into the next two months, and how go...

This week we had on a friend of the podcast, Warren Hogan. He's the chief economic adviser at Judo Bank, and we chatted about the reasons behind the scenes that the likes of CBA and Westpac have been able to slash mortgage rates. Perhaps more interesting was CBA, which cut variable rates for new customers in a re-entry into the mortgage wars. Plus we chat to Emma Duffy, editor at Your Investme...

This week we had Your Mortgage editor Brooker Cooper on the podcast to talk us through how to salary sacrifice your mortgage. The potential tax benefits are clear, however not all companies offer it and there's some things to be wary of first! As always, speak to a tax professional before doing this.

This week we spoke with Bendigo Bank chief economist David Robertson on where Australia is at right now with the economy. We're in 'stagflation' and with a lot of the developed world headed to some sort of election in the next 12 months, governments are throwing a lot of money around - working against central banks' inflation fight! 00:00-00:26: Intro 00:26-03:19: Australia in stag...

This week we spoke with Bendigo Bank chief economist David Robertson on where Australia is at right now with the economy. We're in 'stagflation' and with a lot of the developed world headed to some sort of election in the next 12 months, governments are throwing a lot of money around - working against central banks' inflation fight! Plus we spoke with Your Mortgage editor Brooke Co...

This week we had on Emma Duffy for our fortnightly property roundup. Some Domain research shows this spring selling season could be in favour of homebuyers, with more choice. That's because listings increased in pretty much every capital city by a good margin over July. Guess which city was the strongest? Hot markets such as Adelaide and Perth also had a good listings uptick, indicating vendor...

This week on the podcast we were joined by Glen James, co-author of new book 'The Quick Start Guide to Investing', and host of the Money Money Money Podcast. We discussed the difference between rich and wealthy, how strategy and 'building your house' is important in investing, and how his ADHD diagnosis served as a reminder to get the house in order when it comes to investing. Glen...

This week on the podcast we were joined by Glen James, co-author of new book 'The Quick Start Guide to Investing', and host of the Money Money Money Podcast. We discussed the difference between rich and wealthy, how strategy and 'building your house' is important in investing, and how his ADHD diagnosis served as a reminder to get the house in order when it comes to investing. Glen...

With it being easier and easier to transfer money these days, it's very possible to get one digit wrong and send your money to the wrong account. Our resident finance journalist Harry O'Sullivan explains what to do in such a stressful scenario! Your recourse might be better than you think.

Earlier in the week, the Japanese Nikkei posted a loss of more than 12% - the worst drop since 1987, and one that plunged Japan into three decades of economic malaise, dubbed 'The Lost Generation'. It happened again on Monday, then staged a rally on Tuesday. The ASX and other share markets around the world experienced similar. And our little Aussie Battler AUD has taken a beating. We also...

The RBA wouldn't normally take a backseat on its policy setting day, but recently, world financial news has had bigger fish to fry. Markets plunged, particularly in Japan, before staging a rally. Our AUD has taken a beating too. So we had James Austin, Firstmac CFO, on to make sense of it all. Firstmac is the largest non-bank lender in Australia with over $16b in loans under management, and is...

In some big news from NSW this week, the government has announced it will ban no-grounds evictions. This is aimed at clamping down on investors who evict tenants only to re-list the property with higher rental asking prices. We were joined on the pod this week by Emma Duffy, the editor of Your Investment Property Magazine, to discuss what it all means and if it has investors annoyed. Plus we also...

This week on the podcast we had Isabelle Charter on, dialling in from France. We discussed her new investing app, Drip Invest, that allows kids and parents to start investing with as little as $5. We discuss her journey, who backed the new venture, and how hard it was navigating both a new country and language, and the complexities of Australia's finance landscape!

This week on the podcast we had Isabelle Charter on, dialling in from France. We discussed her new investing app, Drip Invest, that allows kids and parents to start investing with as little as $5. Parents can approve their kids' investments, block or approve entire investment classes, and have different buckets for different goals and risk profiles. As Isabelle told us, the best way to learn i...

This week we covered a very interesting topic, and a sensitive one. We spoke to Denise about her recent article covering the ins and outs of buying a repossessed or foreclosed home. The two terms are used interchangeably but a little different. We discussed why or why not you'd buy one, the pros and cons, and if it's 'ethical'.

Despite interest rates rising, saving up for a deposit amid runaway housing price growth remains the biggest hurdle for a lot of first home buyers. Not everyone can rely on the Bank of Mum and Dad, or on government deposit schemes. This is where OwnHome steps in, funding the deposit requirements up to 20%. The end result is that it can be cheaper than paying higher interest rates and LMI on low-de...

Despite interest rates rising, saving up for a deposit amid runaway housing price growth remains the biggest hurdle for a lot of first home buyers. Not everyone can rely on the Bank of Mum and Dad, or on government deposit schemes. This is where OwnHome steps in, funding the deposit requirements up to 20%. The end result is that it can be cheaper than paying higher interest rates and LMI on low-de...

For our fortnightly property wrap Emma explained to us the reasons for Melbourne's flatlining price growth recently. There's a lot of reasons, and long story short, investors are selling up, and it's the only balanced supply:demand city in Australia!

This week we had a blockbuster episode, talking to @tashinvests, otherwise known as Natasha Etschmann about her new book, co-authored with another guest we've had, Ana Kresina (episode 43). It's called How to Not Work Forever, and is available now. We also discussed where she's at in her investment journey, which can be seen on her @tashinvests TikTok handle. Good chat!