Money Matters: Recent Episodes
PJ Patterson
Debt recycling is a strategy that aims to help you pay off your non-deductible debt (eg your home loan) as quickly as possible, while also building up your wealth in a tax-effective way over the longer term. It involves replacing or ‘recycling’ the debt in your family home with tax-deductible debt from investments.
The world runs on energy. Without it, lights don’t shine, motors don’t rev, and ovens don’t warm. Largely fueling these outlets are resources, such as coal, crude oil and other fossil fuels. But these resources are finite, not to mention costly, both in terms of expenses as well as environmental standards.
Setting short-term, midterm, and long-term financial goals is an important step toward becoming financially secure.
Investing your money may be one of the most effective ways to help you build long-term wealth. While it can seem overwhelming at times, given the breadth of options available, the truth is you don't need to be a financial expert to be successful at it.
How will your kids be able to afford to buy a property? And what can (should) you do to help them?
Even if your investments are growing in value, inflation is still reducing that value on the back end. Let's discuss how to prepare your portfolio for inflation.
Everywhere I turn in the investment world, someone is asking about the merits of long-term investing. Does it work? Did it ever? Let's discuss.
If you’ve recently had a home loan approved or are already some way into your repayments, you may be thinking about how you can pay it off sooner rather than later.
Gearing simply means borrowing to invest and, if managed carefully, can be a way to magnify your investment returns.
Cash flow management is an important tool when growing your company. When done right cash flow can lead to a huge success.
Moving all your super into one account (known as ‘consolidating your super’) might be able to help you save on fees and make managing your super easier.
Between the holiday decorations, gifts, holiday parties, food and so on, holiday expenses can add up quickly. Before you know it, you may start accruing holiday debt.
When the bank asks you for a personal guarantee on your small business loan (and it will), here's what you need to know.
Deciding which factor is more important can make a difference in several areas, the most important may be in your wallet.
For too long, SMEs needing funds to operate and grow have seen only one option: go to the bank and ask for loan but now there are many new options for business finance.
Having different bank accounts for business offers greater visibility, which will make your job a lot easier when you revisit your financial goals.
Here are some suggestions for how to help reduce your money stress and get motivated to take control of your finances.
Like all major business decisions, deciding on between a company vs trust business structure requires a full understanding of the advantages and disadvantages of each situation.
You can’t underestimate the importance of peace of mind. It’s easy to think your income is going to be a permanent fixture in your life – if you’ve got a stable job, why should you worry about losing your stable income, right?
I'm often stunned by how many still don't fully appreciate what an awesome retirement/savings vehicle the Superannuation is. Let me discuss with you just how useful Super is.
While you may be hearing a lot about finding the right University, there’s a crucial question you should answer before giving any thought to building your college list: Is going to a University the best path for you? Or could Trade School be the better choice?
If you're considering investing in art to expand your portfolio's horizons, there are some important things to know first.
Life is full of risks. You can try to avoid them or reduce their likelihood and consequences, but you cannot eliminate them. In this episode I discuss how to evaluate a risk and having a contingency plan.
Index funds are a way for investors of modest means to get into the stock market, but the better you become at investing, the less desirable they are. Let me discuss.
When to buy insurance will depend on what you want to protect and where you are in life. Learn more in this episode.
Should you withdraw from your Superannuation during this COVID-19 crisis? Listen to my podcast now as I discuss the pros and cons.
It’s helpful to have a picture of where you stand at any given time, and creating a Balance Sheet and Cash Flow Statement gives you an overview of your current financial condition.
While purchasing your first home is one of the most exciting experiences you’ll ever have, it can also be extremely daunting, especially if you’re not sure where to begin.
You've probably heard the stock market referred to as a roller-coaster ride. But what do you do when stocks fall into a correction?
Superannuation is likely already one of your largest assets, and for many of us it’ll most certainly be our largest asset one day. My question to you is, if you know it’s your largest asset, then are you taking it seriously? And if not, why not?
The good thing for investors who are more comfortable buying when there’s blood in the streets is there will always be a bear market somewhere, even when the broad stock market is killing it
Today I'm going to talk about ETFs, and its difference from a managed fund, as-well as how you might use an ETF in your portfolio.
If you really want to be a successful investor - you ned to have more asset classes to invest in. So how many asset classes do you own? I'll talk briefly about what each one might give you in a portfolio.
I’m sure you’ve heard about “Bull Markets” before, but did you know they don’t just exist in the Stock Market? Allow me to explain.
A managed fund is an investment fund that is managed professionally by an expert fund manager who invests in a variety of investments. But do you really need it?
Now is one of the best times to consider buying a property in Australia. Today, I want to talk to First Home Buyers about getting that pre-aprroval and getting out there to buy a property to live in.
Do you have a Risk Profile? I call them "Investment Profile", and I want to share with you why they won't help you with your investment plans.
Today I'm going to talk about position sizing and portfolio construction. This is not a topic that generally you hear many advisors talking about and you don't really even hear about it in the mainstream media. It is absolutely critical to be a successful investor.
In this episode we look at the challenge and importance of emphasising capital preservation over capital growth as market risks build. Full cycle investing. It’s important for investors to draw a few distinctions between the short-run and the full market cycle – which is commonly measured as the market peak to peak, or trough to trough.
In this podcast we discussed tips for property owners and business owners the benefits of maximising depreciation.
In this episode I interview Robert Skeen of Oasis Skeen Property Buyers Agents. Oasis Skeen have been in business for over 15 years and Rob has helped countless first home buyers, property investors and families find their dream property. He has built an extensive network of agents that make securing sales on behalf of his clients a seamless process.
In this Episode I am joined by the founder of No Limits Consulting, Paula Dunn. Paula has a very interesting story about how she came to be a business coach. It was a pleasure to hear her story, I hope you enjoy listening to it.
In this episode the tables were turned, I'm the the one being interviewed by Harvee Pene, the co-founder of Inspire Life Change Accountants. During the interview I share with Harvey what made me decide to make it a mission to help impact people's lives by partnering with B1G1.
The things we need to accomplish are huge. We can’t do it on our own. Through B1G1, I am able to work with people from all over the world to build a better life and a better environment for the World.
Here is part two of my interview with Premium Car Search.
In this episode I interview Adrian Rowley and we talk about the big differences of "buying a car" 25 years ago and purchasing one today. Adrian at Premium Car Search offers a professional , friendly service that will make your buying experience smoother, less time consuming and more enjoyable.
In this episode I speak with Siobhan Mullins. Siobhan is a Family Lawyer who specialises in practicing 'collaborative law' and is an innovator in the area of Family Law.
Who likes going to a car dealer to buy a car? I certainly don't which is why I use a car buying service called 'Premium Car Search'.
In this episode I interview Deborah Spiller of Premium Car Search. They specialise in taking away the stress, hassle and what I call the 'sliminess' of the car buying process.
Welcome to the channel! I'm thrilled that you found this podcast. There are three main things that I want to achieve in this podcast: educate, keep you updated and share stories of different individuals through interview. By listening I want to give you more confidence and empower you to make really great financial decisions.