OTG Capital - Blog #educationOTG Capital - Blog #educationhttps://www.otgcapital.com.au/blogs/tag/educationTue, 28 Jul 2026 21:02:40 +1000http://zoho.com/sites/<![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.]]>
choosing an adviser
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[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]]>
choosing an adviser
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]]>
choosing an adviser
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]]>
choosing an adviser
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]]>
choosing an adviser
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.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 02 Jun 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]]>
choosing an adviser
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/ 
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 19 May 2026 09:00:00 +1000<![CDATA[Financial Agreements - Dollars & Making Sense 18 Nov 2025]]>https://www.otgcapital.com.au/blogs/post/financial-agreements-dollars-making-sense-18-nov-2025In today's interview, we focus on timing of agreements and how important they can be in relationships and couples looking to "go the distance". We also tackle the gnarly question of large traditional holdings like the family farm, and how they are handled.]]>
choosing an adviser
Ian McLeod, principal of RP Emery Legal Agreements returns to chat to us about financial agreements.  Last year we featured 2 shows about binding financial agreements and prenuptial agreements which garnered a LOT of discussion and views.  In today's interview, we focus on timing of agreements and how important they can be in relationships and couples looking to "go the distance".  We also tackle the gnarly question of large traditional holdings like the family farm, and how they are handled.

@FMRNB

@Radio Northern Beaches                                                                                              

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