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G'day beautiful people!Today's a special episode with a special guest. You asked for it - an interview with my own mother! She's got a pretty epic story about being raised as a Smith Family recipient, to owning her own home and an investment property.She chats through:- being raised in relative poverty;- whether she or her mum felt shame about circumstances;- having no choice but to go into debt;- deciding to buy a house and making financial decisions;- finding the courage to buy an investment property;- raising kids with financial literacy......and much more!We know this one is a bit different - please let us know whether you liked it or not!If you want more FML content, please join our CLOSED facebook group, where we will be discussing the tips!  Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20group_____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). Episode is LivePublished: Jan. 25, 2021 @ 9PM EditUnpublishAdd a TranscriptGet episode better indexed by search engines.Add Chapter MarkersListeners can tap through & see what’s coming up.Create a Visual SoundbiteBest way to share to social media for engagement.Share Episode OnFacebookTwitter

G'day beautiful people!Bitcoin has been in the news like CRAZY lately. So, what's the deal with it?In this episode, we cover all of the things, including: - what in the world IS bitcoin?- what's blockchain technology?- what are altcoins?- what are the advantages and disadvantages of bitcoin?- what is bitcoin 'mining'?- why are the prices so volatile?- how do I make money?- what's my personal opinion and when should I buy?- can I buy bitcoin indirectly, eg, through ETFs?If you want more FML content, please join our CLOSED facebook group, where we will be discussing the tips!  Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20groupOn the ep, we talk about where to buy bitcoin. See below bitcoin exchanges for Aus/NZL:- https://www.coinspot.com.au/- https://bitcoin.com.au/- https://www.coinjar.com/au/- https://www.independentreserve.com/Also, you can check which shops are open to transactions in bitcoin around the world HERE: https://coinmap.org/ _____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!Well, even though this feels a bit love-me, you asked for it, so you only have yourselves to blame!In the last week, we were MIA. Why? Because apart from starting a new job, I sold a property and bought a property, all in one week!In this episode, it's a little bit of a sneak-peak, fly-on-the-wall understanding of what the process is like. We cover things like:- selling pre-market;- buying tips and strategies;- cooling off periods vs no cooling off periods;- settlement and simultaneous settlement;- finance pre-approvals;- bridging loans......and more!If you want more FML content, please join our CLOSED facebook group, where we will be discussing the tips!  Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20group_____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!This is our first bonus ep for 2021, answering all your recent Q&As about buying a house.We just did it this week and will be covering the process in another episode!For this one we cover:- ideal deposit amount- investing in commercial property vs residential?- buying a property as co-mortgagors with parents - guarantors- sales tactics and how to negotiate - pre-approvals - do you need one before looking?- is it best to buy a house straight away or buy an apartment first? If you want more FML content, please join our CLOSED facebook group, where we will be discussing the tips!  Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20group_____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!HAPPY NEW YEAR!WELCOME TO 2021 aka NOT 2020! YAY!Today, just to KICK OFF the year, we are answering your deepest, darkest, burning, most frequently asked questions, to set YOU up for the best financial year of your life!I conned my partner into asking me questions so he could pull me up if I wasn't making sense, so enjoy some fun batz, while we answer a range of questions including:- when should I start investing?- what's a broker?- how do I pick a good broker?- how many shares should I hold?- WTF is an ETF?!- is it currently a buyer's or seller's market for property?- are we in a housing bubble?- what does selling property 'pre-market' mean?- what's rentvesting?.... and moreIf you want more FML content, please join our CLOSED facebook group, where we will be discussing the tips!  Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20group_____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!I don't mean to alarm you but it's almost the end of 2020 - how in the world did we get here?!So, yet again, we threw it open on our socials for a topic - because this content is created for YOU the people - and you came back with financial goal setting! So, here we are!If you just groaned and are about to not hit download because you think you will be bored AF, I PROMISE it won't just be me harping on about how great SMART goals are. Or just chucking different financial goals at you and making you feel bad for not wanting to catch them.Hoping we can provide a different perspective on this pretty unsexy topic. We cover:- why don't we set goals?- the psychology behind us rejecting goal-setting- the benefits- are SMART goals so SMART?- we make up a new word (and new theory) called SMAIT. Pronounces S'MATE. Coz we're Aussie. You're welcome.- we talk about holistic goal-setting cos we're human.- the four quadrants and an energising theme word- being accountable- progress not perfectionRemember - share the love and share the knowledge._____If you want to see OUR PERSONAL GOALS, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!Coming out to you all from lock down on Sydney's northern beaches! We're bringing you what you want - the people have spoken - with How to Buy A House (Part 2)!Soooo, this episode is part 2, moving on from part 1 (episode 10), and is  JAM-packed full of some of the crucial things to consider when you're looking to buy property - whether it's your first home or your next hurrah!We cover:- owner occupied vs investments- interest only loans vs principal & interest loans- fixed loans vs variable loans - and the advantages and disadvantages of both- other loan features like terms, additional repayments, redraws and offsets - what are these and what are our personal deal-breakers?- mortgage brokers - are they worth it and do they cost anything?!We get through SO much, so strap yourselves in for a big one.That said, there's a lot to know about property... and we know we're already pushing our luck monologuing for 40 minutes... yet we have more to cover! Part 3 will be coming soon covering the process of buying a house, applying for finance (approval vs pre-approval etc). PLEASE share if you enjoyed this break down, and let us know your feedback directly or by leaving a review!Not so good with figures? No bloody worries! We reference a number of calculators in the episode, where you can just plug numbers in, and it spits out fancy things:- lenders mortgage insurance cost calculator:  https://www.yourmortgage.com.au/calculators/mortgage_insurance/- stamp duty calculator:  https://www.yourmortgage.com.au/calculators/stamp_duty/- mortgage repayment calculator: https://moneysmart.gov.au/home-loans/mortgage-calculator?gclid=Cj0KCQiA48j9BRC-ARIsAMQu3WSe2pSv3PP0WgVadKgiLBgybCeBB-T6I4mM-JiE8em6BhKgUW05k6IaAvH-EALw_wcBRemember - share the love and share the knowledge._____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!Today, because you asked for it, we are talking all things superannuation (part 1). If you think that sounds boring, well firstly you only have yourselves to blame because you voted for it, and secondly - have you listened?! I can make anything fun! Promise.Today we cover a BUNCH of the super foundations, including:- what is super and why does it exist- what's the superannuation guarantee- what are concessional and non-concessional contributions... and why in the world would we make them?!- do we need to care about super or can we just YOLO now and think about it later?- what's compound interest- how to pick a good fund- the difference between retail and industry super funds, and accumulation and defined benefits schemes......and more!If you want more FML content, please join our CLOSED facebook group, where we will be discussing the tips!  Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20group_____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!Today we pick up our chat with Danielle Ecuyer, who knows pretty much all there is to know about shares, and who also happened to author our very first FML book club book 'Shareplicity'. #notsponsoredjustgoodThe conversation was so great, I've split it across 2 episodes. This is part 2!Over the two part series, we cover A LOT, including:- what Dani looks for when investing in shares- long term shares vs cyclical trends- things to look for now, in the post 'rona universe- what are 'blue chip shares' and are they still a thing?- diversification - how important is it, how much is too much?- advice for people to get started- WTF is an ETF?- ETFs vs managed funds- psychological tips for getting started- tax and microinvesting apps... and moreIf you loved the chat get the book - mine is completely marked up with tags and comments. You know we don't recommend things unless we use it and can personally get behind it - so know this is authentically recommended with no kick back to us! You can buy Shareplicity for any good book store or on her website: https://shareplicity.com.au/  You can also follow Dani at @shareplicity.If you're reading the book - or just want to see our findings - join our CLOSED facebook group, where we will be discussing the tips!  Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20group_____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!Today we have the absolute PRIVILEGE of chatting with Danielle Ecuyer, who knows pretty much all there is to know about shares, and who also happened to author our very first FML book club book 'Shareplicity'. #notsponsoredjustgoodThe conversation was so great, I've split it across 2 episodes. This is part 1!Over the two part series, we cover A LOT, including:- what Dani looks for when investing in shares- long term shares vs cyclical trends- things to look for now, in the post 'rona universe- what are 'blue chip shares' and are they still a thing?- diversification - how important is it, how much is too much?- advice for people to get started- WTF is an ETF?- ETFs vs managed funds- psychological tips for getting started- tax and microinvesting apps... and moreIf you loved the chat get the book - mine is completely marked up with tags and comments. You know we don't recommend things unless we use it and can personally get behind it - so know this is authentically recommended with no kick back to us! You can buy Shareplicity for any good book store or on her website: https://shareplicity.com.au/  You can also follow Dani at @shareplicity.If you're reading the book - or just want to see our findings - join our CLOSED facebook group, where we will be discussing the tips!  Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20group_____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!Today we are talking CREDIT - aka DEBT.A bunch of you have slid right into our DMs asking some questions like:- what's the deal with credit ratings? Is this the same as a credit report?- how do I know my score?- how important is it to have a good score?- I missed one payment - am I stuffed forever?- What can I do to improve the score?WELL, we've heard you! Lucky for you (and me), we are joined by our very first guest on the episode, Geri Cremin, who is a credit reporting expert ready to nestle in the your ears with all the goods. She's great. You're great. We're great. There's so much great to spread around. We reference a few handy resources today. Get amongst it:* The 3 credit bureaus to check your credit reports FOR FREE:- https://www.equifax.com.au/ - https://www.experian.com.au/experian-credit-scores- https://www.creditcheck.illion.com.au/* The CreditSmart site:  https://www.creditsmart.org.au/* Financial Counselling Australia:  https://www.financialcounsellingaustralia.org.au/What do we ask for in return? Remember - share the love and share the knowledge.Gentle reminder we have also LAUNCHED OUR FINANCE BOOK CLUB! We are so bloody excited! We are starting with Shareplicity by Danielle Ecuyer and will be chatting to her soon! If you have questions / feedback, you want us to cover off with Danielle, join our CLOSED facebook group. If you want to join, or don't wanna read the book but just see what we get from it, share money wins / ask for advice etc - please join. Otherwise it will just be me sitting in the group, messaging to myself. ANYway. Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20group _____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!It's In the News Time today, and my, hasn't it been a HOT HOT week in finance and money news yet again!Today we  chat about two things:FIRST: A quick hot minute talking about Black Friday sales which ARE UPON US. Our top 8 tips to take advantage of the sales without falling prey to superfluous consumerism. SECOND: This week, Treasury handed down a report about retirement, which means super. Regardless of whether you're close to retiring, super impacts you NOW. Will YOU be going home will less take home pay available to you next year? Remember - PLEASE share the love and share the knowledge. I read a 600+ page documents for you guys. If that isn't love, I don't know what is. _____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!Today we start by LAUNCHING OUR FINANCE BOOK CLUB! We are so bloody excited! We are starting with Shareplicity by Danielle Ecuyer.To facilitate this chat, we will be starting a CLOSED facebook group. If you want to join, or don't wanna read the book but just see what we get from it, share money wins / ask for advice etc - please join. Otherwise it will just be me sitting in the group, messaging to myself. ANYway. Join by searching 'Finance Money Life Discussion Group' on facebook or by clicking HERE: https://www.facebook.com/search/top?q=finance%20money%20life%20discussion%20group Today we are giving some of our investor listeners a little bit of love and building the foundations for share investing! YAY! Are you something that THINKS they know about shares and the ASX, but not totally 100% sure? Or, maybe, you've just heard dividends, reinvestment plans, capital gains and just tuned it all our because, let's face it, all sounds like mumbojumbo. If so, THIS EP IS FOR YOU!We cover:- sooo... what actually is a share?- the ASX and stock exchanges... what are these?- how do you actually make money from shares and why do people invest in them?- capital gains - diversification AND tax considerations- how long you should ideally hold onto shares- dividends - what are they, reinvestment plans, dividend yields- things to watch out for when considering buying high-dividend shares........and more!We yap on about the ASX website a fair bit. It's pretty cool. Check it out: https://www2.asx.com.au/ Remember - share the love and share the knowledge._____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!It's In the News Time today, and my, hasn't it been a HOT HOT week in finance and money news!Today we  chat about two things:FIRST: The historical stamp duty changes which are proposed in NSW (and putting pressure on the other states) - which were announced Tuesday. We talk - What are they and why are they being proposed? What will the impact be on housing prices, and will it help make buying a house more affordable?SECOND: On Monday, ASIC handed down a report card for Buy Now Pay Later services. Wanna know their rating? Well listen to the stats and decide for yourselves! We talk Zip, Afterpay etc with some hard fast facts.We also chat about emo black mullets... but that's another story.Remember - share the love and share the knowledge._____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!We had so many topics we wanted to cover, we couldn't decide what was next. So we threw it open to you and you voted most for How to buy a house!Soooo, this episode is jam-packed full of some of the crucial things to consider when you're looking to buy property - whether it's your first home or your next hurrah! We cover:- deposits - why we need them and how much we need - lenders mortgage insurance (more fun than it sounds...kinda!)- what's 'equity'- the LVR ratio... (the LV-what now???)- stamp duty (YAY for stamps, NAY for stamp duty)- the 'serviceability' of the loan (seriously, who comes up with this jargon?!)- how to know if you can actually afford a mortgage We get through SO much, so strap yourselves in for a big one. That said, there's a lot to know about property and we have more to cover. Part 2 (and possibly 3) will come soon, covering things like offsets, redraws, the process of buying a house, applying for finance etc... WE GOTCHA BACKS!Not so good with figures? No bloody worries! We reference a number of calculators in the episode, where you can just plug numbers in, and it spits out fancy things:- lenders mortgage insurance cost calculator:  https://www.yourmortgage.com.au/calculators/mortgage_insurance/ - stamp duty calculator:  https://www.yourmortgage.com.au/calculators/stamp_duty/- mortgage repayment calculator: https://moneysmart.gov.au/home-loans/mortgage-calculator?gclid=Cj0KCQiA48j9BRC-ARIsAMQu3WSe2pSv3PP0WgVadKgiLBgybCeBB-T6I4mM-JiE8em6BhKgUW05k6IaAvH-EALw_wcB Are you a first home buyer? (Yeah, you are! Woo!) These resources might assist:- Federal government scheme: https://www.nhfic.gov.au/what-we-do/fhlds/ - https://www.finder.com.au/home-loans/first-home-owners-grant Remember - share the love and share the knowledge._____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!For our latest In The News Ep, we're talking the Aus Gov being like Oprah and... GIVING 11.5 MILLION OF US A TAX CUT! In the words of Charlie Sheen, #winning!Today we cover:- why we're getting cuts;- how much more money you should expect in your bank each pay day;- when you'll get your hot little hands on it; and - MOST IMPORTANTLY, when you do.... WHAT should you do with it?!Sound good? Yeah, good.We reference some tax cut calculators so you can work out exactly how much you're getting:- https://www.news.com.au/finance/economy/federal-budget/budget-calculator-how-much-you-will-get-from-the-2020-budget/news-story/8aa4bdbd5b6be17adcb53e2ad4665a3d - https://www.abc.net.au/news/2020-10-06/budget-2020-income-tax-calculator/12732348Remember - share the love and share the knowledge._____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!It's PART TWO of our episode on actual ways to SAVE RIGHT HERE, RIGHT NOW.We include tips 9 through 18 (see part 1 for tips 1-9)!We've searched the internets and the government announcements, and our own experiences to compile this top list. Some general tips, and some ones that are available right now as coronavirus specials.If you use these tips or have any more to share, please hit us and up and let us know!None of the brands in the podcast are sponsored - just sharing personal experiences.Remember - share the love and share the knowledge._____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!So... Tuesday was eventful, hey? Yeah yeah, there was some horse race or something - but I'm talking about the RBA's decision to cut the cash rate to the LOWEST EVER in Australia's history! The RBA itself said as recently as May that it would never go this low.It's like a game of limbo - how low can it go?So, cool. This seems important. And it is!So, we're covering what this means AANNDD the implications for you! Join us to learn about:- what in the world is the RBA, and the cash rate - and why do people bang on about this so much?- what prompted these latest cuts?- are you a winner or a loser from the decision?Remember - share the love and share the knowledge._____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!We hope you all had a FABULOUS week. We had such a great response on savings, that we're doing it again - but focusing on actual ways to curb the spending right now. There's all kinds of special deals and discounts around given this whole pesky coronavirus thing, such that we've needed to break this topic across two episodes! Here's one, and tune in for our second episode jam-packed with even more tips, dropping next week.None of the brands in the podcast are sponsored - just sharing personal experiences!If you have any more to share, please hit us and up and let us know!Remember - share the love and share the knowledge._____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly). 

G'day beautiful people!We've heard the term thrown around nilly-willy since March 2020...but what exactly is a 'mortgage holiday'? It invokes images of people sitting by a pool drinking lux cocktails.... but is it really a holiday?Have we found the one holiday for which you can't get FOMO?!This ep we explain what a mortgage and 'mortgage holiday' is - why the banks are 'offering' them, and whether they actually benefit us. (SPOILER ALERT: For a lot of us, they don't.)Resources referred to on this ep:- AFCA (Australian Financial Complaints Authority): https://www.afca.org.au/ - The National Debt Hotline: https://ndh.org.au/?gclid=CjwKCAjwoc_8BRAcEiwAzJevtS44WtNFcGSEfsvuxyFDW7ZeN-JP1BEBppYO1Q04pTNkZ1F6Y7jm5BoCMmwQAvD_BwE - Legal Centres: https://moneysmart.gov.au/managing-debt/free-legal-advice _____If you like what you hear, please click subscribe on your podcast app, follow us on facebook: https://www.facebook.com/financemoneylife  and instagram: https://www.instagram.com/financemoneylife/.We are a small, independent podcast and the best way to support us is to subscribe, and share the love and your knowledge - tell your mum, your dad, your sister, your brother and all your mates!You can also send us a voice message on our website https://www.financemoneylife.com/blank-page - and you may feature on an upcoming episode!~~~Thanks so much for tuning in to Finance Money Life. Let’s get the legal stuff out of the way. This podcast is for entertainment purposes only. We’re not financial advisors, so information shared on the podcast is limited to general information only – not advice. Any views or opinions shared are just that – personal views or opinions. You should consider seeking independent legal, financial, taxation or other advice before acting on any information, including making an investment or other financial decision – to make sure it suits you, your needs and objectives. We like to be super transparent, so remember we’re not liable for any loss caused (whether due to negligence or otherwise) arising from the use of or reliance on any info we provide (directly or indirectly).