OTG Capital - BlogOTG Capital - Bloghttps://www.otgcapital.com.au/blogsWed, 26 Aug 2026 15:25:14 +1000http://zoho.com/sites/<![CDATA[Granny Flats - Dollars & Making Sense 25 Aug 2026]]>https://www.otgcapital.com.au/blogs/post/granny-flats-dollars-making-sense-28-aug-2026Thinking of bringing in Mum and/or into your home via a Granny Flat arrangement? Justin Bott from Svcs Aust discusses inviting the devils of Hades into your life with long term consequences for you and your entire family. A show not to be missed if this situation is on your horizon.]]>
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Thinking of bringing in Mum and/or into your home via a Granny Flat arrangement?  We welcome back Justin Bott from Services Australia to explain the old truism that "the devil is in the detail".  Having had first hand experience as a FIS officer, Justin has a wealth of experience to bring to our show about anyone considering entering into a granny flat arrangement.  It can be incredibly useful and helpful to all involved - if done correctly.  If not, you could be inviting the devils of Hades into your life with long term consequences for you and your entire family.  A show not to be missed if this situation is on your horizon.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 25 Aug 2026 09:00:00 +1000<![CDATA[Divorce & Finances - Dollars & Making Sense 18 Aug 2026]]>https://www.otgcapital.com.au/blogs/post/divorce-finances-dollars-making-sense-11-aug-2026how to manage your finances should you have to separate or divorce your partner. It is an unsavory part of life that affects close to half of Australian society. Notwithstanding the financial issues regarding splitting of finances and goods & chattels, the emotional element, children]]>
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Jen Richardson joins us again to discuss how to manage your finances should you have to separate or divorce your partner.  It is an unsavory part of life that affects close to half of Australian society.  Notwithstanding the financial issues regarding splitting of finances and goods & chattels, the emotional element, children - their ongoing custody and well being, as well as a myriad of stress inducing situations many would rather not have to endure.  Jen speaks from a perspective of client experience and has formulated some excellent tips and practical steps to take should you have to venture down this path.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 18 Aug 2026 09:00:00 +1000<![CDATA[Pension Update - Dollars & Making Sense 11 Aug 2026]]>https://www.otgcapital.com.au/blogs/post/pension-update-dollars-making-sense-11-aug-2026Into the new financial year and if you haven't noticed yet, there have been changes afoot, not only in your take home pay, but if you're receiving a government payment, there are changes there as well.]]>
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Into the new financial year and if you haven't noticed yet, there have been changes afoot, not only in your take home pay, but if you're receiving a government payment, there are changes there as well.  We welcome back Juston Bott, media information officer from Services Australia (CentreLink) to explain what the changes mean to those receiving the age pension, but also for those who have never been near a government office, and what you may be entitled to - yes, even if you're over retirement age and still working.  Justin explains the differences, and the impact.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 11 Aug 2026 09:00:00 +1000<![CDATA[Kids & Money - Dollars & Making Sense 4 Aug 2026]]>https://www.otgcapital.com.au/blogs/post/kids-money-dollars-making-sense-4-aug-2026Jen provides some excellent examples of how kids can learn to handle money from an early age right through to young adults.]]>
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How to teach your kids about money before the habits stick - great opening from our Financial counselor - Jen Richardson, joining us from her accounting practise in the Hunter Valley in NSW.  From an early age, instilling sound life habits around money and managing finances is important.  It doesn't always mean our kids have to be spreadsheet experts in kindergarten, however a grasp of understanding the principles of work/labour in return for money/rewards is an early lesson well instilled for our children for the future.  Associating transactions and work that correlate and coexist in relative harmony if understood.  Jen provides some excellent examples of how kids can learn to handle money from an early age right through to young adults.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 04 Aug 2026 09:00:00 +1000<![CDATA[How to Get Out of Debt - Dollars & Making Sense 28 July 2026]]>https://www.otgcapital.com.au/blogs/post/how-to-get-out-of-debt-dollars-making-sense-28-july-2026how to get out of debt. We cover off "good debt" and "bad debt", and what kind of headspace these discussions can sometimes destructively take up in our brains. Important tips and tricks on how not to let this get the better of you. Financial education is what Dollars & Making Sense is all about.]]>
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We welcome back Jen Robinson, an accountant by trade and an experienced Financial Counselor from the Hunter region of NSW.  This week we visit the troublesome topic of debt, how we get into it, and most importantly how to get out of debt.  We cover off "good debt" and "bad debt", and what kind of headspace these discussions can sometimes destructively take up in our brains.  Important tips and tricks on how not to let this get the better of you.  Financial education is what Dollars & Making Sense is all about.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 28 Jul 2026 09:00:00 +1000<![CDATA[Investing with AI - Dollars & Making Sense 21 July 2026]]>https://www.otgcapital.com.au/blogs/post/investing-with-ai-dollars-making-sense-21-july-2026There are many skeptics out there, (me included), and this discussion is a sobering and realistic view of what AI can really achieve without overstating or promising beyond what is reasonable. GIGO - garbage in garbage out still applies. Tune in to find out more.]]>
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archive - back by popular demand!
This week, ASA membership manager, Nathan Hood joins us discussing what's near and dear to his heart, using AI when investing.  There are many skeptics out there, (me included), and this discussion is a sobering and realistic view of what AI can really achieve without overstating or promising beyond what is reasonable.  Prompt engineering is a consultant's term - however in my chat with Nathan, framing a question correctly, just like in real life, AI gives a solid reply.  And like the calculators or old, AI is no different to computers or the like - GIGO - garbage in garbage out still applies.  Tune in to find out more.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 21 Jul 2026 09:00:00 +1000<![CDATA[Travelling Pensioners - Dollars & Making Sense 14 July 2026]]>https://www.otgcapital.com.au/blogs/post/travelling-pensioners-dollars-making-sense-14-july-2026If you're on the Age Pension and deciding to travel, whether locally or abroad, tune in to listen to Justin Bott from Services Australia provide us some excellent tips and information to ensure your pension keeps on keeping on.]]>
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archive show - Justin Bott from Services Australia joins us to work through a range of potential options that pensioners might consider when they embark on their travels, whether that be for 1 week or 52 weeks or more, domestically or internationally.  There are many things to consider, and Justin makes it nice and easy to understand

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 14 Jul 2026 09:00:00 +1000<![CDATA[Investing with AI - Dollars & Making Sense 7 July 2026]]>https://www.otgcapital.com.au/blogs/post/investing-with-ai-dollars-making-sense-7-july-2026There are many skeptics out there, (me included), and this discussion is a sobering and realistic view of what AI can really achieve without overstating or promising beyond what is reasonable. GIGO - garbage in garbage out still applies. Tune in to find out more.]]>
choosing an adviser
This week, ASA membership manager, Nathan Hood joins us discussing what's near and dear to his heart, using AI when investing.  There are many skeptics out there, (me included), and this discussion is a sobering and realistic view of what AI can really achieve without overstating or promising beyond what is reasonable.  Prompt engineering is a consultant's term - however in my chat with Nathan, framing a question correctly, just like in real life, AI gives a solid reply.  And like the calculators or old, AI is no different to computers or the like - GIGO - garbage in garbage out still applies.  Tune in to find out more.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 07 Jul 2026 09:00:00 +1000<![CDATA[Life Cover Inside Super - Dollars & Making Sense 30 Jun 2026]]>https://www.otgcapital.com.au/blogs/post/life-cover-inside-super-dollars-making-sense-30-jun-2026the impact of menopause on women can not be understated. Tune in this week to find out about a pilot support program and valuable research into this widely misunderstood issue]]>
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While Australia's superannuation retirement system is the envy of many countries around the world, so many Australians are still not aware of what is available as standard offerings within their super funds.  Today we explore the various components of Life Insurance cover within superannuation funds, and what's under the hood.  This includes death cover, terminal illness, temporary or permanent disability as well as income protection.  Today's episode is the "keep it simple" KISS version, and we have Lisa Saliba, Chief Marketing & Customer Officer from MetLife Australia to help understand what's available, and what we should be doing as a starting point on this very important part of your financial well being.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 30 Jun 2026 09:00:00 +1000<![CDATA[The Impact of Menopause - Dollars & Making Sense 23 Jun 2026]]>https://www.otgcapital.com.au/blogs/post/the-impact-of-menopause-dollars-making-sense-23-jun-2026the impact of menopause on women can not be understated. Tune in this week to find out about a pilot support program and valuable research into this widely misunderstood issue]]>
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A troubling subject that has been swept under the carpet for too long.  This week, Lina Saliba, Chief Customer & Marketing Officer from MetLife Australia joins us to discuss a recent study of the financial and health impact of menopause and perimenopause on Australian women.  The study involving over 1000 Australian women provides some sobering results about a much hidden issue with women, and their families.  Join us to learn about the data, and what is being done to address and support these issues in our communities, and what we can all do to listen more closely and be there to assist.  Find out about a MetLife program launched to assist and support women suffering through this life stage.  The report can be found at this link.

@FMRNB

@Radio Northern Beaches                                                                                               

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