OTG Capital - BlogOTG Capital - Bloghttps://www.otgcapital.com.au/blogsTue, 14 Jul 2026 20:32:43 +1000http://zoho.com/sites/<![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

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@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.]]>
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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

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]]>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.
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]]>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                                                                                               

]]>Tue, 23 Jun 2026 09:00:00 +1000<![CDATA[When to Retire - Dollars & Making Sense 16 Jun 2026]]>https://www.otgcapital.com.au/blogs/post/when-to-retire-dollars-making-sense-16-jun-2026when to retire is a serious consideration, tune in to find out more]]>
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Understanding retirement age is rather important.  Is it 60, 65 or 67? or none of the above?  Justin Bott from Services Australia joins us to discuss some interesting considerations when deciding on when to retire.  Money is just a small part of the equation, albeit important!  We need to consider aspiration, health, finances, super, retirement aims, and what to do with the nest egg you've been planning for all your life.  Now its time to spend it all - but can we?  Tune in to find out what are some of the many considerations of when is the right time to retire - or maybe not retire at all?

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Mon, 22 Jun 2026 10:48:52 +1000<![CDATA[Centrepay & Good Shep - Dollars & Making Sense 9 Jun 2026]]>https://www.otgcapital.com.au/blogs/post/centrepay-good-shep-dollars-making-sense-9-jun-2026What is Centrepay and who is Good Shep? Tune in to find out all about Interest Free Loans and how Services Australia can assist you with ensuring your payments are on time]]>
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Justin Bott, media information officer from Services Australia is back with us and covering off information that is brand new to me and possibly many others out there.  There is a budgeting and cash management tool available for all Services Australia payments recipients called Centrepay https://www.servicesaustralia.gov.au/centrepay - tune in to find out how this free service provides recipient easy to use payment structures to better manage ongoing payments like rent, utilities and other regular payments.  And for emergency situations, Good Shep - a not-for-profit charity is there is support those in need with interest free loans and ongoing support - what a great service! https://goodshep.org.au/ 
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 09 Jun 2026 09:00:00 +1000<![CDATA[CGT Changes Budget 2026 - Dollars & Making Sense 2 Jun 2026]]>https://www.otgcapital.com.au/blogs/post/cgt-changes-budget-2026-dollars-making-sense-2-jun-2026Budget 2026 and the changes in CGT are big, but not yet legislated. Kirk Wilson of IFPA discusses the potential changes and impact]]>
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Kirk Wilson, subject matter expert from the Institute of Financial Professionals of Australia (www.ifpa.com.au) joins us to work through the myriad of changes introduced in this year's Federal budget surrounding Capital Gains Tax (CGT).  Bringing down some of the most dramatic changes in tax law pertaining to capital gains and housing policy in probably 25 years.  Kirk provides an interesting view on the details of the changes while also ensuring we understand these changes are yet to be legislated, and subject to much consultation and conjecture before it becomes L A W law between now and July 2027 when the majority of these changes are slated to come in.
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]]>Tue, 02 Jun 2026 09:00:00 +1000<![CDATA[Australian Shareholders Association - Dollars & Making Sense 26 May 2026]]>https://www.otgcapital.com.au/blogs/post/australian-shareholders-association-dollars-making-sense-26-may-2026We chat to Rachel Waterhouse of the ASA about what's happening in the listed world of investments]]>
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Rachel Waterhouse, CEO of the ASA was last on the show in 2023.  Much has happened since then, and it has been too long since we've caught up with what's happened in that time.  Shareholder advocacy, community investor groups, ongoing financial education are all part of the ASA delivers to its members.  Rachel rejoins us to refresh this information and also catch up on new online initiatives to engage with younger investors and the growing cadre of those interested in digital assets and how best to consider their next moves.  Never a dull moment when you're engaging with Australian listed companies, here on Dollars & Making Sense.  Check ASA out at https://www.australianshareholders.com.au/ .

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 26 May 2026 09:00:00 +1000<![CDATA[Super Gender Gap - Dollars & Making Sense 9 Jun 2026]]>https://www.otgcapital.com.au/blogs/post/super-gender-gap-dollars-making-sense-19-may-2026Why are women retiring with less super than men? Tune in to find out what to do about it]]>
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Jen Richardson is a Newcastle based accountant, former financial planner who has a passion for educating those who need help in money, budgeting and finance.  Now being an accountant doesn't always mean you know a lot about making money.  Jen explains some of the poorest money managers she's ever met were accountants!!  This show, we're discussing the ongoing dilemma of the gap in super balances between men & women, and what can be done about it.  In 2021, KPMG released a study, and 5 years on this is updated.  We look at Jen's blog www.jenrichardson.co and specifically an excellent article on understanding why women in Australia retire with less super. https://jenrichardson.co/why-women-retire-with-less-super-in-australia/ 
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]]>Tue, 19 May 2026 09:00:00 +1000<![CDATA[Timing Super Part 2 - Dollars & Making Sense 12 May 2026]]>https://www.otgcapital.com.au/blogs/post/timing-super-part-2-dollars-making-sense-12-may-2026Payday super, SMSF laws and ATO crackdown and new caps in place, tune in, lots to learn]]>
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We continue our series on timing your superannuation contributions with Stuart Sheary from the Institute of Financial Professionals of Australia (www.ifpa.com.au).  This week we pick up on last week's theme and continue to discuss reversionary pensions, contribution strategies and ensuring you don't pay any more tax than you need to.  This includes Div 296 and Div 293 considerations and ensuring your once in a lifetime Downsizer Contribution has the best "bang for buck".

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