<?xml version="1.0" encoding="UTF-8" ?><!-- generator=Zoho Sites --><rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:content="http://purl.org/rss/1.0/modules/content/"><channel><atom:link href="https://www.otgcapital.com.au/blogs/debt/feed" rel="self" type="application/rss+xml"/><title>OTG Capital - Blog , Debt</title><description>OTG Capital - Blog , Debt</description><link>https://www.otgcapital.com.au/blogs/debt</link><lastBuildDate>Wed, 29 Apr 2026 13:49:53 +1000</lastBuildDate><generator>http://zoho.com/sites/</generator><item><title><![CDATA[Good Debt vs Bad Debt - Dollars & Making Sense 2 Apr 2024]]></title><link>https://www.otgcapital.com.au/blogs/post/good-debt-vs-bad-debt-dollars-making-sense-2-apr-2024</link><description><![CDATA[<img align="left" hspace="5" src="https://www.otgcapital.com.au/CRN Good Debt.jpg"/>What's the difference, debt is debt right? Maybe not so. Are we stealing from ouselves or are we saving for ourselves. Great notions to ponder when you are looking at that purchase and deciding whether to wait and save, or buy now pay later?]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_XskiLeNfQyOwFsIAXaB2Xg" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_0ymIo-4RR12c3usF1BjHeQ" data-element-type="row" class="zprow zprow-container zpalign-items- zpjustify-content- " data-equal-column=""><style type="text/css"></style><div data-element-id="elm_OxuTDRy6R5mf4ifi0wvEAA" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"> [data-element-id="elm_OxuTDRy6R5mf4ifi0wvEAA"].zpelem-col{ border-radius:1px; } </style><div data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew" data-element-type="imagetext" class="zpelement zpelem-imagetext "><style> @media (min-width: 992px) { [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"] .zpimagetext-container figure img { width: 381.25px !important ; height: 218px !important ; } } @media (max-width: 991px) and (min-width: 768px) { [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"] .zpimagetext-container figure img { width:381.25px ; height:218px ; } } @media (max-width: 767px) { [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"] .zpimagetext-container figure img { width:381.25px ; height:218px ; } } [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"].zpelem-imagetext{ border-radius:1px; } </style><div data-size-tablet="size-original" data-size-mobile="size-original" data-align="left" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimagetext-container zpimage-with-text-container zpimage-align-left zpimage-size-custom zpimage-tablet-fallback-custom zpimage-mobile-fallback-custom "><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/CRN%20Good%20Debt.jpg" width="381.25" height="218" loading="lazy" size="custom" alt="choosing an adviser" data-lightbox="false"/></picture></span></figure><div class="zpimage-text zpimage-text-align-left " data-editor="true"><div style="color:inherit;"><div style="color:inherit;"><div style="color:inherit;"><div style="font-size:13.3333px;"><div style="color:inherit;"><div style="font-size:13.3333px;"><span style="color:inherit;">What's the difference, debt is debt right?&nbsp; Maybe not so.&nbsp; This week, Victor Lagos from Lagos Financial, a registered mortgage broker and holder of an Australian Credit License joins us to discuss what is good debt and what is bad debt.&nbsp; Are we stealing from ouselves or are we saving for ourselves.&nbsp; Great notions to ponder when you are looking at that purchase and deciding whether to wait and save, or buy now pay later?&nbsp; Is borrowing against your future always the best option.&nbsp; And what does it take to step up and move into your first home or apartment.</span><br></div></div></div></div></div></div><p>@FMRNB<br></p><p>@Radio Northern Beaches&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</p></div>
</div></div><div data-element-id="elm_ilqNR8h2JQb2C1ypfZ077w" data-element-type="iframe" class="zpelement zpelem-iframe "><style type="text/css"> [data-element-id="elm_ilqNR8h2JQb2C1ypfZ077w"].zpelem-iframe{ border-radius:1px; } </style><div class="zpiframe-container zpiframe-align-left"><iframe class="zpiframe " src="https://podcasters.spotify.com/pod/show/ray-trevisan/embed/episodes/Good-Debt-vs-Bad-Debt-e2h8njd" width="1500px" height="180px" align="left" frameBorder="0" scrolling="no"></iframe></div>
</div></div></div></div></div></div> ]]></content:encoded><pubDate>Tue, 02 Apr 2024 16:19:42 +1100</pubDate></item><item><title><![CDATA[Debt Negativity - Dollars & Making Sense 18 Oct 2022]]></title><link>https://www.otgcapital.com.au/blogs/post/debt-negativity-dollars-making-sense-18-oct-2022</link><description><![CDATA[<img align="left" hspace="5" src="https://www.otgcapital.com.au/Neg debt.jpg"/>how Debt can bring about so much Negativity in your life it can at times be debilitating. We've covered this subject a lot because it hurts many people - a lot!.]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_XskiLeNfQyOwFsIAXaB2Xg" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_0ymIo-4RR12c3usF1BjHeQ" data-element-type="row" class="zprow zprow-container zpalign-items- zpjustify-content- " data-equal-column=""><style type="text/css"></style><div data-element-id="elm_OxuTDRy6R5mf4ifi0wvEAA" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"> [data-element-id="elm_OxuTDRy6R5mf4ifi0wvEAA"].zpelem-col{ border-radius:1px; } </style><div data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew" data-element-type="imagetext" class="zpelement zpelem-imagetext "><style> @media (min-width: 992px) { [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"] .zpimagetext-container figure img { width: 277.16px !important ; height: 214px !important ; } } @media (max-width: 991px) and (min-width: 768px) { [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"] .zpimagetext-container figure img { width:277.16px ; height:214px ; } } @media (max-width: 767px) { [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"] .zpimagetext-container figure img { width:277.16px ; height:214px ; } } [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"].zpelem-imagetext{ border-radius:1px; } </style><div data-size-tablet="size-original" data-size-mobile="size-original" data-align="left" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimagetext-container zpimage-with-text-container zpimage-align-left zpimage-size-custom zpimage-tablet-fallback-custom zpimage-mobile-fallback-custom "><figure role="none" class="zpimage-data-ref"><a class="zpimage-anchor" href="https://home.kpmg/au/en/home/insights/2021/08/gender-superannuation-gap.html" target="_blank" title="Super gender gap report KPMG" rel=""><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/Neg%20debt.jpg" width="277.16" height="214" loading="lazy" size="custom" alt="BNPL devil or angel?" data-lightbox="false"/></picture></a></figure><div class="zpimage-text zpimage-text-align-left " data-editor="true"><p>Following on from our BNPL revisit, Philippa Hunt from Wise Girls Money tackles the thorny issues surrounding how Debt can bring about so much Negativity in your life it can at times be debilitating. We've covered this subject a lot because it hurts many people - a lot!.</p><p><a href="https://ethics.org.au/ethics-explainer-negativity-bias/">https://ethics.org.au/ethics-explainer-negativity-bias/</a><br>Dollars &amp; Making Sense a weekly program about money, finance and investing.</p><p>@RNB<br></p><p>@Radio Northern Beaches</p><p><br></p></div>
</div></div><div data-element-id="elm_Lj4AG3EFWcqWTtOOYt_pFw" data-element-type="iframe" class="zpelement zpelem-iframe "><style type="text/css"> [data-element-id="elm_Lj4AG3EFWcqWTtOOYt_pFw"].zpelem-iframe{ border-radius:1px; margin-block-start:33px; } </style><div class="zpiframe-container zpiframe-align-left"><iframe class="zpiframe " src="https://anchor.fm/ray-trevisan/embed/episodes/Debt-Negativity-e1pdhil" width="1500px" height="180px" align="left" frameBorder="0" scrolling="no"></iframe></div>
</div></div></div></div></div></div> ]]></content:encoded><pubDate>Tue, 18 Oct 2022 08:57:55 +1100</pubDate></item><item><title><![CDATA[BNPL - Dollars & Making Sense 11 Oct 2022]]></title><link>https://www.otgcapital.com.au/blogs/post/BNPL-devil-or-angel</link><description><![CDATA[<img align="left" hspace="5" src="https://www.otgcapital.com.au/BNPL-1.jpg"/>Buy now pay later, devil or angel? We think devil, tune in to find out why on Dollars and Making Sense, a weekly show about money, finance and investing on Radio Northern Beaches]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_XskiLeNfQyOwFsIAXaB2Xg" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_0ymIo-4RR12c3usF1BjHeQ" data-element-type="row" class="zprow zprow-container zpalign-items- zpjustify-content- " data-equal-column=""><style type="text/css"></style><div data-element-id="elm_OxuTDRy6R5mf4ifi0wvEAA" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"> [data-element-id="elm_OxuTDRy6R5mf4ifi0wvEAA"].zpelem-col{ border-radius:1px; } </style><div data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew" data-element-type="imagetext" class="zpelement zpelem-imagetext "><style> @media (min-width: 992px) { [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"] .zpimagetext-container figure img { width: 215.68px !important ; height: 168px !important ; } } @media (max-width: 991px) and (min-width: 768px) { [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"] .zpimagetext-container figure img { width:215.68px ; height:168px ; } } @media (max-width: 767px) { [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"] .zpimagetext-container figure img { width:215.68px ; height:168px ; } } [data-element-id="elm_NvqmnDAuV_faldDSa3Z-ew"].zpelem-imagetext{ border-radius:1px; } </style><div data-size-tablet="size-original" data-size-mobile="size-original" data-align="left" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimagetext-container zpimage-with-text-container zpimage-align-left zpimage-size-custom zpimage-tablet-fallback-custom zpimage-mobile-fallback-custom "><figure role="none" class="zpimage-data-ref"><a class="zpimage-anchor" href="https://home.kpmg/au/en/home/insights/2021/08/gender-superannuation-gap.html" target="_blank" title="Super gender gap report KPMG" rel=""><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/BNPL-1.jpg" width="215.68" height="168" loading="lazy" size="custom" alt="BNPL devil or angel?" data-lightbox="false"/></picture></a></figure><div class="zpimage-text zpimage-text-align-left " data-editor="true"><p>We dig back into our archive to explore BNPL again (buy now pay later) to understand better what it is and why it is so popular.&nbsp; Angel or devil?&nbsp; Well we think devil so tune in to find out why, and how we'll dissect this over the next few programs as well.&nbsp; Dollars &amp; Making Sense a weekly program about money, finance and investing.</p><p><br></p><p>@RNB<br></p><p>@Radio Northern Beaches</p><p><br></p></div>
</div></div><div data-element-id="elm_Lj4AG3EFWcqWTtOOYt_pFw" data-element-type="iframe" class="zpelement zpelem-iframe "><style type="text/css"> [data-element-id="elm_Lj4AG3EFWcqWTtOOYt_pFw"].zpelem-iframe{ border-radius:1px; margin-block-start:33px; } </style><div class="zpiframe-container zpiframe-align-left"><iframe class="zpiframe " src="https://anchor.fm/ray-trevisan/embed/episodes/Buy-Now-Pay-Later-BNPL-e1p2qjv" width="1500px" height="180px" align="left" frameBorder="0" scrolling="no"></iframe></div>
</div></div></div></div></div></div> ]]></content:encoded><pubDate>Tue, 11 Oct 2022 09:00:00 +1100</pubDate></item></channel></rss>