OTG Capital - Blog #financial planningOTG Capital - Blog #financial planninghttps://www.otgcapital.com.au/blogs/tag/financial-planningSat, 19 Sep 2026 01:12:11 +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[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[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.
@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]]>
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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/ 
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 19 May 2026 09:00:00 +1000<![CDATA[Who's Buying Crypto - Dollars & Making Sense 30 Dec 2025 - Summer Series #3]]>https://www.otgcapital.com.au/blogs/post/who-s-buying-crypto-dollars-making-sense-30-dec-2025-summer-series-3Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no matter your background, investment posture or outlook.]]>
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This show is a repeat from earlier this year, we hope you enjoy it!

Anna Venonnen from Coredata returns from her very insightful research last year about crypto investing.  Having recently completed a research article for Coredata in "Trends in Crypto Investing", what better way to find out then to go straight to the source.  Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no matter your background, investment posture or outlook.
The whitepaper is available FREE, just click on this link https://coredatainsights.com/cd-insights/australias-crypto-investors-2025/

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 30 Dec 2025 09:00:00 +1100<![CDATA[Who's Buying Crypto - Dollars & Making Sense 11 Nov 2025]]>https://www.otgcapital.com.au/blogs/post/who-s-buying-crypto-dollars-making-sense-11-nov-2025Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no matter your background, investment posture or outlook.]]>
choosing an adviser
Anna Venonnen from Coredata returns from her very insightful research last year about crypto investing.  Having recently completed a research article for Coredata in "Trends in Crypto Investing", what better way to find out then to go straight to the source.  Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no matter your background, investment posture or outlook.
The whitepaper is available FREE, just click on this link https://coredatainsights.com/cd-insights/australias-crypto-investors-2025/

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 11 Nov 2025 09:00:00 +1100<![CDATA[Future2 & Financial Literacy - Dollars & Making Sense 7 Oct 2025]]>https://www.otgcapital.com.au/blogs/post/future2-financial-literacy-dollars-making-sense-7-oct-2025Wise Girls Money makes a welcome return to discuss the Future2 grants program and the strides being taken to assist women in need and promoting financial literacy. Part 1 of an excellent 2 part series.]]>
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Philippa Hunt from Wise Girls Money makes a welcome return to discuss the Future2 grants program and the strides being taken to assist women in need and promoting financial literacy.  True to the idiom, feed a village fish, they eat for a day, teach them how to fish sustainably, they feed themselves into the future.  We explore the program and how its being rolled out into Queen Chillenga's Kalgoorlie constituents and beyond.  Part 1 of an excellent 2 part series.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 07 Oct 2025 09:00:00 +1100<![CDATA[Ethical Investing - Dollars & Making Sense 29 Apr 2025]]>https://www.otgcapital.com.au/blogs/post/ethical-investing-dollars-making-sense-29-apr-2025IGo woke, go broke? Maybe not, Ray discusses how he listens carefully to his clients and provides avenues and opportunities to realise financial goals as well as doing the right things. Some great advice along the way as well, including "don't be a spectator",]]>
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Go woke, go broke?  Maybe not, we meet Ray Kan from Daintree Wealth, an experienced financial planner that specialises in ethical investing and has a track record to show that doing the right thing can pay off, just as well as making other choices.  Even though many industries today are legal, we may not always be comfortable putting our long term faith and investments in those fields.  Ray discusses how he listens carefully to his clients and provides avenues and opportunities to realise financial goals as well as doing the right things.  Some great advice along the way as well, including "don't be a spectator", great education on Dollars & Making Sense.  The organisation mentioned in the show can be viewed at https://www.responsibleinvestment.org/.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 29 Apr 2025 09:01:00 +1000<![CDATA[Summer #7 - Looking for Alpha - Dollars & Making Sense 28 Jan 2025]]>https://www.otgcapital.com.au/blogs/post/summer-7-looking-for-alpha-dollars-making-sense-28-jan-2025The wealth of information at Andrew's fingertips is worth a listen as we ponder the difference between alpha & beta investing, active & passive management, and where the uber wealthy are putting their money. And it's not as complex as you might think.]]>
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Welcome to our Summer Series of archive blogs from the past year.  We'll be featuring our favourite shows from 2024 until we return in Feb'2025.  Thanks for watching/listening.
Andrew Inwood, CEO of Coredata is no stranger to data and statistics and today, we're teasing out some devil in the detail regarding a recent presentation about "looking for alpha", and what exactly means.  The wealth of information at Andrew's fingertips is worth a listen as we ponder the difference between alpha & beta investing, active & passive management, and where the uber wealthy are putting their money. And it's not as complex as you might think.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 28 Jan 2025 10:26:00 +1100