The Savings Tip Jar

On this week's podcast we have an automotive double header. We spoke with Nick Potter from Stratton Finance about novated leases. We've talked a bit about them on the podcast before but never this in-depth. We discussed how it can benefit at tax time, which types of vehicles and demographic suits the novated lease, and when to lease instead of buy. 00:40 - Savings tip 01:14 - Novated lease basics...

On this week's podcast we have an automotive double header. We spoke with Nick Potter from Stratton Finance about novated leases. We've talked a bit about them on the podcast before but never this in-depth. We discussed how it can benefit at tax time, which types of vehicles and demographic suits the novated lease, and when to lease instead of buy. Plus we spoke to resident automotive jour...

We spoke to Brooke Cooper, editor at Your Mortgage, about the home guarantee scheme and the changes afoot. They are big changes - income limits scrapped, place numbers unlimited, and significant bumps in the price caps. So, will it actually help or will it just lead to yet more price rises? Details of the home guarantee scheme tweaks here https://www.yourmortgage.com.au/mortgage-news/home-guarante...

On this week's episode we have a bit of a potpourri. Our special guest this week is Olivia McArdle, the head of payments and deposits at Macquarie Bank. We spoke to her about the state of the savings account market, why customers are getting fed up with deposit conditions, and where the bank sees the market heading in the next little while. 01:01 - Olivia's savings tip 02:14 - Macquarie&#3...

On this week's episode we have a bit of a potpourri. Our special guest this week is Olivia McArdle, the head of payments and deposits at Macquarie Bank. We spoke to her about the state of the savings account market, why customers are getting fed up with deposit conditions, and where the bank sees the market heading in the next little while. Plus we spoke to Brooke Cooper, editor at Your Mortga...

We speak to, for the first time, fellow savings scribe Bea Garcia. We speak about which banks automatically lower repayments on home loans. Hint: Not many do, and you'll need to ask. But as Bea suggests, it might not be a bad idea to keep the repayments the same if you can. Bea's article: https://www.infochoice.com.au/home-loans/automatic-lower-repayments 00:45 - Savings tip 02:45 - Banks...

As the dust settles after the RBA rate cut, we're talkin mortgages! We have Rebecca Jarrett-Dalton, the founder of Two Red Shoes mortgage brokers to talk about some of those tantalising fixed rate mortgages out there at the moment. As Bec explains it's more than just the juicy rate customers need to look out for. Great chat! Rebecca was last on in episode 64 in May 2024, so give that one a...

As the dust settles after the RBA rate cut, we're talkin mortgages! We have Rebecca Jarrett-Dalton, the founder of Two Red Shoes mortgage brokers to talk about some of those tantalising fixed rate mortgages out there at the moment. As Bec explains it's more than just the juicy rate customers need to look out for. Great chat! Rebecca was last on in episode 64 in May 2024, so give that one a...

We chat to Bernadette Lunas about a recent piece on Your Investment Property Magazine about the permanent rise of remote working hotspots and the considerations investors need to make before looking into these areas. Bern's topic here, in article form https://www.yourinvestmentpropertymag.com.au/investment-guides/remote-work-and-regional-living 00:38 - Savings tip 02:11 - Regional demand 05:06...

Another RBA rate cut in the bag! We discuss what this means for mortgage holders (and sadly, depositors) with Belinda Allen, the senior economist at Commonwealth Bank. We talk about what the RBA has its eyes on in the economy, as well as the big bank's economic forecasts. Plus we also mentioned some wages growth data that came through at the end. 00:35 - Belinda's savings tips 01:38 - Abou...

Another RBA rate cut in the bag! We discuss what this means for mortgage holders (and sadly, depositors) with Belinda Allen, the senior economist at Commonwealth Bank. We talk about what the RBA has its eyes on in the economy, as well as the big bank's economic forecasts. Plus we also mentioned some wages growth data that came through at the end. And we also chat to Bernadette Lunas, about a recen...

We spoke to resident finance journalist Harry O'Sullivan about his recent piece on buyers agents - do you need one, what do they cost, are they worth it, when do they come in handy? And all that good stuff. You can read Harry's piece here on Your Mortgage: https://www.yourmortgage.com.au/compare-home-loans/should-you-hire-a-buyers-agent 00:35 - Savings tip 02:20 - What are buyers agents 03...

This week we're joined by Michael Harvey, senior food analyst at Rabobank. As Rabo is an agricultural-focused bank, it's well placed to discuss food prices, weather events, and what the farmers are feeling at the farm gate, and why it affects the price of your weekly shop or what goes onto your plate. We discussed weather patterns, grocery price inflation, geopolitics in China and the US,...

This week we're joined by Michael Harvey, senior food analyst at Rabobank. As Rabo is an agricultral-focused bank, it's well placed to discuss food prices, weather events, and what the farmers are feeling at the farm gate, and why it affects the price of your weekly shop or what goes onto your plate. We discussed weather patterns, grocery price inflation, geopolitics in China and the US, a...

We speak to Alexi Falson, resident motoring journalist, about the latest in the government's emissions standard. We discussed what the exact penalties are for manufacturers who miss their targets, how it could distort the market, the benefits and drawbacks, as well as if it could lead to price rises for Aussie car buyers. 00:25 - Savings tip, shop around for electricity 01:50 - What is the NVE...

This week we're chatting to Ben Hillier, the head of retirement at AMP, about, well, you guessed it... retirement. And more importantly, how much you need for retirement. It's the million dollar question, and it all relates back to the rather unsavoury question - how long are you going to live? We also discussed the $3m super tax, if the super guarantee of 12% is a bit too far and hampers...

This week we're chatting to Ben Hillier, the head of retirement at AMP, about, well, you guessed it... retirement. And more importantly, how much you need for retirement. It's the million dollar question, and it all relates back to the rather unsavoury question - how long are you going to live? We also discussed the $3m super tax, if the super guarantee of 12% is a bit too far and hampers...

We speak to resident finance journalist Harry O'Sullivan about which suburbs produce the top rental yields. Think mining towns and remote areas that used to rely on industry. It's an important consideration for property investors, but again, chasing yields can bring about a bunch of risks. 00:33 - Savings tip, use free streaming 02:30 - Highest rental yield areas 04:30 - Not all glitz and...

On this week's pod we had Julian Finch, mortgage broker extraordinaire on to talk about guarantor loans. 'Going guarantor' is a popular method for young homebuyers looking to get their foot on the property ladder, and for their parents to offer a lending hand without necessarily giving away a large wad of cash. But as Julian explains there's a few risks to consider, as well as the...

On this week's pod we had Julian Finch, mortgage broker extraordinaire on to talk about guarantor loans. 'Going guarantor' is a popular method for young homebuyers looking to get their foot on the property ladder, and for their parents to offer a lending hand without necessarily giving away a large wad of cash. But as Julian explains there's a few risks to consider, as well as the...

We spoke to resident finance journalist Denise Raward. We also discussed the rise of conditional savings accounts, and where to find a competitive unconditional rate. They are not as high as rates on products that make you jump through 11,000 hoops - but they're out there. This was all part of an ACCC deposit inquiry a couple of years ago, but as Denise said, so far that inquiry amounted to di...

This week we spoke about a pretty big development in the personal finance space: the RBA's wish to ban card surcharges. For the latter we spoke to Professor Steve Worthington from Swinburne University - how the surcharges came about, why they are so prevalent, where he sees the payments sector going on and more. 00:26 - Savings tip, use cash 01:15 - Steve's reaction to ban announcement 02:...

This week we spoke about two pretty big developments in the personal finance space: ubank's savings account tweaks, and the RBA's wish to ban card surcharges. For the latter we spoke to Professor Steve Worthington from Swinburne University - how the surcharges came about, why they are so prevalent, where he sees the payments sector going on and more. And for the former we spoke to resident...

We spoke with Bernadette Lunas, the editor at Your Investment Property Magazine about the new magazine edition available now, and her feature piece on the rise, fall, and re-rise of regional property markets. Get your latest YIP Magazine edition by becoming a member of YIP Advantage through here https://www.yourinvestmentpropertymag.com.au/magazine 01:00 - Savings tip 02:00 - Regional growth 04:30...

Fresh after the RBA stood tall in the face of epic jawboning and held the cash rate at 3.85%, we spoke with Warren Hogan, chief economic adviser at Judo Bank. We chatted about the decision, the reasons for the hold, the economic context, and why more and more economists arrogantly call for cuts hoping to manifest them into reality. 00:50 - Savings tip 01:59 - RBA shock hold 03:53 - Epic jawboning...