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Dev Raga Personal Finance
404 an interview with Dr VJ (Renal Fellow)
In todayโs episode Dev interviews renal fellow, Dr. VJ touching on:
๐๐พ his income
๐๐ฟ his savings rate
๐๐ป locuming
๐ his view on debt
๐๐ผ personal insurance
๐๐ฝ kids and public vs private school
๐๐พ retirement strategy
๐๐ฟ and money wins
We hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.
To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.
Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.
SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
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447 understanding SMSFs: how they work, the costs, risks, challenges + more
45:02||Season 4In todayโs episode Dev interviews Alex Luck of Everest Wealth, touching on:๐๐พ what is an SMSF?๐๐ฟ what can I do with SMSF that I can't do with normal industry super/retail funds๐๐ป fees associated๐ at what value is an SMSF cost effective?๐๐ผ what about rules and taxes?๐๐ฝ what happens if some people in accumulation phase, and others in retirement phase?๐๐พ do all members have to be invested in same asset class?๐๐ฟ what about insurance?๐๐ป who is responsible for investment decisions?๐ what happens in marriage breakdown or death of a member?๐๐ผ how do you wind it down?๐๐ฝ what happens if you breach the strict super laws since you are on your own?Alex LuckEverest Wealth (everestwealthgroup.com.au)Instagram (@everestwealth)We hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.446 what is Benner's cycle?
14:10|In todayโs episode Dev explains Benner's Cycle touching on:๐๐พ what is Benner's cycle?๐๐ฟ what is a market cycle?๐๐ป stages of a market cycle?๐ examples of a Benner's cycle predictionsWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.445 invest smarter with automation, low fees, and the power of a financial community
47:52|In todayโs episode, Dev interviews Nick Nicolaides co-founder of Pearler, touching on:๐๐พ how long has Pearler been around?๐๐ฟ what investments are available?๐๐ป what is HIN (holder identification number)?๐ what is the fee structure?๐๐ผ understanding their automation๐๐ฝ support - tech and non-tech๐๐พ what happens when Pearler goes bankrupt?https://pearler.com/We hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.444 money, leadership + medical exam tips with a hospital executive director
01:08:13||Season 4In todayโs episode Dev interviews Dr. George Eskander, touching on:๐๐พ what does an executive do?๐๐ฟ his journey and training into his role?๐๐ป what other career options do executives have?๐ how does your day look like?๐๐ผ junior doctors, pay and culture๐๐ฝ his side hustle - PassGP๐๐พ investing philosophy๐๐ฟ money winsDr. George Eskandergeorge.eskander@doctors.org.ukPassGP.auย https://www.passgp.au/dev-raga-personal-financeWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.443 the quick start guide to investing with Glen James!
55:13||Season 4In todayโs episode Dev interviews Glen James, touching on:๐๐พ why write a book?๐๐ฟ how does your book differ from other investing books? ๐๐ป who is Nick Bradley?๐ why are behaviours important?๐๐ผ tell us about your 40% loss of investments as an 18-year-old ๐๐ฝ contrarian views - go through each oneWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.442 superannuation part 2 - retirement phase
45:23||Season 4In todayโs episode Dev interviews Scott Taylor, touching on:๐๐พ what is preservation age?๐๐ฟ what are my options when I retire?๐๐ป can I chop and change phases?๐ what is Transition to Retire (TTR)?๐๐ผ how does tax work in the retirement phase?๐๐ฝ how does an aged pension get affected?๐๐พ what is a downsizer contribution?๐๐ฟ what is the re-contribution strategy?๐๐ป what is binding death nomination? ๐ how long can I continue to work and get super?๐๐ผ any specific rules on investment in retirement?Scott Taylor scott@everestpw.com.auEverest Wealth (everestwealthgroup.com.au)Instagram (@everestwealth)We hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.441 superannuation part 1: accumulation phase
53:30||Season 4In todayโs episode Dev interviews Scott Taylor, touching on:๐๐พ why does super exist?๐๐ฟ what are the type of contributions and their respective limits?๐๐ป carry forward contributions vs bring forward contributions๐ super for low income owners๐๐ผ what is the first home super savers scheme?๐๐ฝ retail vs industry super fund๐๐พ how do taxes work in super?๐๐ฟ conditions of early release๐๐ป what is excess contributions tax?๐ what is maximum super contributions base?๐๐ผ how to max out non earning spouse?๐๐ฝ why can't I get trauma insurance in super?Everest Wealth was founded 6 years ago by Scott Taylor & Alexander Luck and set out to help young professionals all around Australia get ahead and build their wealth.Everest Wealth (everestwealthgroup.com.au)Instagram (@everestwealth)We hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.440 sequence of returns risk & how it affects your retirement
22:49||Season 4In todayโs episode Dev explains sequence of returns risk, touching on:๐๐พ what is sequence of returns risk?๐๐ฟ wealth accumulation vs retirement phase๐๐ป does sequence of returns risk affect everyone?๐ what asset classes are effected?๐๐ผ an example to highlight the principle - rising market vs falling marketWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.439 retirement living options, preparing for aged care + preparing financially
01:10:09||Season 4In todayโs episode Dev interviews Louise Biti of Aged Care Steps, touching on:๐๐พ retirement living options ๐๐ฟ pros and cons of each type๐๐ป financial costs of each option๐ should a family doctor be involved?๐๐ผ how to access myaged care?๐๐ฝ aged care specifics๐๐พ what happens when you die?๐๐ฟ what is RAD?๐๐ป what is the function state trustee?๐ Aged care vs CentrelinkWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.