How To Money

In this episode of the How To Money Podcast, Kate and Susan dive into the rise of neobanks and digital financial products in Australia. They discuss what neobanks are up to, how they differ from traditional institutions, regulation in Australia and why having more competition is good for you (the consumer).

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at [email protected] and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

In this episode of the How To Money Podcast Kate spoke to Ele from BetaShares, one of Australia’s leading ETF providers. Kate and Ele discuss common myths about Exchange Traded Funds (ETFs), including the major misconception that they’re just a passing phase (they’re not)! For background on ETFs check out our first episode with BetaShares in Season 1.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

BetaShares: betashares.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at [email protected] and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

In this episode of the How To Money Podcast Kate spoke to Dr Daniel Crosby, who is a psychologist and behavioural finance expert from the States. Kate and Daniel chat about the emotions impacting our financial decisions, mitigating our behavioural biases when we're investing and automating our finances. Side note - Kate discovered post recording that our Australian Superannuation assets totalled $2.8 trillion at the end of the March 2019 (as reported by the ASFA)!

This episode was kindly supported by Etax Accountants, Australia’s favourite online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

Dr Daniel Crosby Twitter: @danielcrosby

The Behavioral Investor: https://amzn.to/2Ke7Gx3

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at [email protected] and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

We all want to make better financial decisions but we often don’t have the time, don’t know where to start or don’t have the extra money to make these financial decisions. In this episode of the How To Money Podcast, we’ve invited Mark from Hip Money on the show, who has created a free app aimed designed to make paying off your mortgage a more engaging experience, so you can put more money aside and wipe years off your loan. We cover some of the things young Aussies should know prior to taking out a mortgage, how small changes add up and the benefits of automating your finances.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at [email protected] and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

In this episode of the How To Money Podcast, we invited Ashley Debenham from Etax Accountants to cover tax return basics, plus provide you with tips to ensure you get the best possible tax refund. We also discuss some common dedications to keep an eye out for, and why it might be beneficial to source assistance from an accountant when doing your tax return. Please bear in mind the audio is a little more rustic than usual in the episode (as we recorded from different locations)!

Etax Accountants: www.etax.com.au

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at [email protected] and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

In this episode, Kate had the pleasure of chatting with Julia Lee, Equities Strategist from Bell Direct. We spoke about setting goals for the new financial year, things to look out for and reminding ourselves to use our tax return for good (it’s not free money)! Julia also talks about a few stocks climbing the market at the moment, and where to invest outside of your bank account.

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at [email protected] and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

This episode of the How To Money Podcast covers what the Reserve Bank of Australia (RBA) actually does, the RBA cash rate, inflation and what the recent reduction in the cash rate means for us.

The Reserve Banks job is to achieve price stability, full employment, and the economic prosperity and welfare of the Australian people. The RBA does this by using an inflation target to help keep inflation between 2–3%, on average, using the cash rate. The Reserve Bank Board meets eleven times a year, on the first Tuesday of the month, to decide what the cash rate should be.

The cash rate has a strong influence over other interest rates, such as lending and deposit rates, and a reduction in the cash rate typically stimulates spending and inflation, while an increase in the cash rate typically dampens spending and inflation.

Show Notes: howtomoney.online/how-to-money-podcast

RBA Education: https://www.rba.gov.au/education

Website: howtomoney.online

Twitter: @HowToMoneyAUS

Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at [email protected] and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

When you enter the world of investing for the very first time, everything looks like a potential opportunity, and everyone online will be telling you something different. Look one direction you’ll see someone promoting CFD trading, another way they’ll be spruiking stocks and turn around to find another IPO for the next big thing! I get it, I really do, everyone's got something to sell or a point to get across, and maybe it really did work for them, but investing is already confusing enough without all these distractions.

But that’s what they are, distractions, and you don’t want to waste years of opportunity and your hard-earned money chasing the next big thing. Investing can actually be quite simple if you can look past all the distractions and get rich quick schemes.

This episode of the How To Money Podcast covers 10 ways to lose money when investing for the first time, and a few things to be mindful of when you are navigating the minefield that is Google.

Show Notes: howtomoney.online/how-to-money-podcast

Website: howtomoney.online

Twitter: @HowToMoneyAUS

Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at [email protected] and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Risk and investing is a tricky and very personal subject. Ask 10 people on a train their opinion on skydiving and you’ll be sure to get a wide range of viewpoints, and it’s exactly the same when it comes to an individual's view and tolerance of risk. In this episode, we dive into the different types of risks that might affect an investor, and why it’s so important to be aware of the risks involved with an investment product and their personal risk tolerance!

Show Notes: https://howtomoney.online/how-to-money-podcast

Website: https://howtomoney.online

Twitter: @HowToMoneyAUS

Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at [email protected] and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please make your own enquiries, and do some research - it’s all on the web. Remember it's your money - take control!

So you’re just about ready to start investing; you understand diversification, your risk tolerance and have a bit of an idea on how shares and ETFs work, but you’ve just realised that you’re not actually sure how to buy this ETF or share you’re really keen on. Luckily for you, we’ve had a few goes at setting up trading accounts through a handful of different platforms, and have bought and sold many shares and ETFs in Australia. So grab a chair and let us take you through the steps required to buy a share in Australia.

Read our step by step guide to buying shares in Australia here https://howtomoney.online/2019/02/12/a-step-by-step-guide-to-buying-shares-in-australia/

Comparison Sites

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS on Twitter and Instagram or email us at [email protected]. If you enjoyed the episode we’d be thrilled if you left us a review here on iTunes.

Important Information

The information on this blog and website is of a general and educational nature only. It does not take into account your individual financial situation, objectives or needs. You should consider your own financial position and requirements before making a decision, as we are not an advisory service. We recommend you consult a licensed financial adviser in order to assist you. The information is based on assumptions or market conditions which can change without notice, and this will impact the accuracy of the information provided.