OTG Capital - Blog #Financial StressOTG Capital - Blog #Financial Stresshttps://www.otgcapital.com.au/blogs/tag/financial-stressWed, 10 Jun 2026 12:14:51 +1000http://zoho.com/sites/<![CDATA[Super & Hardship - Dollars & Making Sense 5 Aug 2025]]>https://www.otgcapital.com.au/blogs/post/super-hardship-dollars-making-sense-5-aug-2025As always, accessing your super early can have dire impact on your retirement savings, but there are needs that will prevail, and this discussion is important to understand if you could possibly apply and be able to draw down funds in an emergency situation.]]>
choosing an adviser
Stuart Sheary, subject matter expert from the Institute of Financial Professionals Australia (www.ifpa.com.au) joins us to discuss what you can do to access your superannuation nest egg if circumstances are dire.  Stuart explains what COR (conditions of release) are, and who you need to discuss this with.  As always, accessing your super early can have dire impact on your retirement savings, but there are needs that will prevail, and this discussion is important to understand if you could possibly apply and be able to draw down funds in an emergency situation.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 05 Aug 2025 09:00:00 +1000<![CDATA[Super & Hardship - Dollars & Making Sense 25 Mar 2025]]>https://www.otgcapital.com.au/blogs/post/super-hardship-dollars-making-sense-25-mar-2025As always, accessing your super early can have dire impact on your retirement savings, but there are needs that will prevail, and this discussion is important to understand if you could possibly apply and be able to draw down funds in an emergency situation.]]>
choosing an adviser
Stuart Sheary, subject matter expert from the Institute of Financial Professionals Australia (www.ifpa.com.au) joins us to discuss what you can do to access your superannuation nest egg if circumstances are dire.  Stuart explains what COR (conditions of release) are, and who you need to discuss this with.  As always, accessing your super early can have dire impact on your retirement savings, but there are needs that will prevail, and this discussion is important to understand if you could possibly apply and be able to draw down funds in an emergency situation.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 25 Mar 2025 09:00:00 +1100<![CDATA[Budgeting & Financial Stress - Dollars & Making Sense 23 Jan 2024 Summer Series #6]]>https://www.otgcapital.com.au/blogs/post/budgeting-financial-stress-dollars-making-sense-23-jan-2024-summer-series-6Given SMSFs increasing popularity, a self managed retirement option is attractive. There is much to be gained from having your own SMSF, so join us to better understand whether DIY super is for you or not.]]>
budgeting
It's back to basics this week as we chat to Justin Bott from Services Australia about how to budget and the free resources available from the Australian federal government that are there to assist you in financial education, understanding industry jargon, and getting started if you don't have anything to begin with.  We also cover a great free resource called the Financial Information Service that is delivered online as well as in person.  Check out the links to the MoneySmart website and the Centrelink information links.  Your taxpayer money hard at work helping everyone that needs it.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 23 Jan 2024 09:00:00 +1100<![CDATA[Men's Mental Health - Dollars & Making Sense 19 Dec 2023 Summer Series #1]]>https://www.otgcapital.com.au/blogs/post/men-s-mental-health-dollars-making-sense-19-dec-2023-summer-series-1Simon Madden now travels the country talking to people about being better humans. Be the best you can, and in so we discuss what it means to be a man, particularly when looking at societal expectations surrounding money management and being the "bread winner".]]>
Simon Madden, 389 games at all Essendon and one of the legends of AFL who now travels the country talking to people about being better humans. Be the best you can, and in so we discuss what it means to be a man, particularly when looking at societal expectations surrounding money management and being the "bread winner".

Simon Madden, 389 games at all Essendon and one of the legends of AFL who now travels the country talking to people about being better humans. Be the best you can, and in so we discuss what it means to be a man, particularly when looking at societal expectations surrounding money management and being the "bread winner".

Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests. Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio Network (www.cbaa.org.au). Check out our blog and details at www.otgcapital.com.au.

@FMRNB

@Radio Northern Beaches

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                

]]>Tue, 19 Dec 2023 09:00:00 +1100<![CDATA[Budgeting & Financial Stress - Dollars & Making Sense 17 Oct 2023]]>https://www.otgcapital.com.au/blogs/post/budgeting-financial-stress-dollars-making-sense-17-oct-2023Given SMSFs increasing popularity, a self managed retirement option is attractive. There is much to be gained from having your own SMSF, so join us to better understand whether DIY super is for you or not.]]>
budgeting
It's back to basics this week as we chat to Justin Bott from Services Australia about how to budget and the free resources available from the Australian federal government that are there to assist you in financial education, understanding industry jargon, and getting started if you don't have anything to begin with.  We also cover a great free resource called the Financial Information Service that is delivered online as well as in person.  Check out the links to the MoneySmart website and the Centrelink information links.  Your taxpayer money hard at work helping everyone that needs it.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 17 Oct 2023 09:00:00 +1100<![CDATA[Men's Mental Health - Dollars & Making Sense 11 Apr 2023]]>https://www.otgcapital.com.au/blogs/post/men-s-mental-health-dollars-making-sense-11-apr-2023Simon Madden now travels the country talking to people about being better humans. Be the best you can, and in so we discuss what it means to be a man, particularly when looking at societal expectations surrounding money management and being the "bread winner".]]>
Simon Madden, 389 games at all Essendon and one of the legends of AFL who now travels the country talking to people about being better humans. Be the best you can, and in so we discuss what it means to be a man, particularly when looking at societal expectations surrounding money management and being the "bread winner".

Simon Madden, 389 games at all Essendon and one of the legends of AFL who now travels the country talking to people about being better humans. Be the best you can, and in so we discuss what it means to be a man, particularly when looking at societal expectations surrounding money management and being the "bread winner".

Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests. Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio Network (www.cbaa.org.au). Check out our blog and details at www.otgcapital.com.au.

@FMRNB

@Radio Northern Beaches

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                

]]>Tue, 11 Apr 2023 09:00:00 +1000<![CDATA[Work from Home Tax Concessions - Dollars & Making Sense 28 Mar 2023]]>https://www.otgcapital.com.au/blogs/post/work-from-home-tax-concessions-dollars-making-sense-28-mar-2023We've moved through the pandemic, and last year, the ATO provide a simple way to calculate our tax deductions for our work from home costs. We talk with Neville Birthisel at IFPA (www.ifpa.com.au) as to what the ATO is expecting this year from all of us that work from home]]>
With 23% of all mortgages in the market today being fixed (yes that's correct!), we are facing interesting times when coming to refinance after many years of record low interest rates. We discuss this dilemma with Todd O'Neill from Xenium Partners what's going on and what to do about it.

We've moved through the pandemic, and last year, the ATO provide a simple way to calculate our tax deductions for our work from home costs. Same again, right? Think again... We talk with Neville Birthisel at the Institute of Financial Professionals Australia (www.ifpa.com.au) as to what the ATO is expecting this year from all of us that work from home (and that's a darn lot of people, people!).

Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests. Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio Network (www.cbaa.org.au). Check out our blog and details at www.otgcapital.com.au.

@FMRNB

@Radio Northern Beaches

                                                                                                                                                                                                                                                                

]]>Tue, 28 Mar 2023 09:00:00 +1100<![CDATA[Mortgage Cliffs - Dollars & Making Sense 14 Mar 2023]]>https://www.otgcapital.com.au/blogs/post/mortgage-cliffs-dollars-making-sense-14-mar-2023With 23% of all mortgages in the market today being fixed (yes that's correct!), we are facing interesting times when coming to refinance after many years of record low interest rates. We discuss this dilemma with Todd O'Neill from Xenium Partners what's going on and what to do about it.]]>
With 23% of all mortgages in the market today being fixed (yes that's correct!), we are facing interesting times when coming to refinance after many years of record low interest rates. We discuss this dilemma with Todd O'Neill from Xenium Partners what's going on and what to do about it.

With 23% of all mortgages in the market today being fixed (yes that's correct!), we are facing interesting times when coming to refinance after many years of record low interest rates.  We discuss this dilemma with Todd O'Neill from Xenium Partners what's going on and what to do about it.

Dollars & Making Sense, a weekly show about money, finance & investing, with your host Ray Trevisan from OTG Capital and special guests. Broadcast weekly on community Radio Northern Beaches (www.rng.org.au), and nationally throughout Australia on the Community Radio Network (www.cbaa.org.au). Check out our blog and details at www.otgcapital.com.au.

@FMRNB

@Radio Northern Beaches

                

]]>Fri, 24 Mar 2023 11:46:28 +1100<![CDATA[Future of Advice - Dollars & Making Sense - 20 Sept 2022]]>https://www.otgcapital.com.au/blogs/post/beyond-blue1Beyond Blue have definitively linked poor mental health outcomes to financial stress - no surprises. Philippa Hunt discusses the outcomes this week on Dollars & Making Sense.]]>
quality of advice review

The future of financial advice is now being considered.  We bring back Phil Osborne, a specialist on compliance and understanding the complexity of the advice industry to discuss his take on the Levy consultation paper before Treasury at the moment. Join Phil and I as we discuss the ramifications here on Dollars & Making Sense, a weekly program about money, finance and investing.


@RNB

@Radio Northern Beaches


]]>Tue, 27 Sep 2022 09:00:00 +1000<![CDATA[Financial Stress & Mental Health - Dollars & Making Sense 27 Sept 2022]]>https://www.otgcapital.com.au/blogs/post/beyond-blueBeyond Blue have definitively linked poor mental health outcomes to financial stress - no surprises. Philippa Hunt discusses the outcomes this week on Dollars & Making Sense.]]>
quality of advice review

Beyond Blue have definitively linked poor mental health outcomes to financial stress - no surprises.  Philippa Hunt discusses the outcomes this week on Dollars & Making Sense.  Tune in to this week's show or podcast.  We've provided the link to Beyond Blue's article as well.

https://coronavirus.beyondblue.org.au/COVID-normal/Financial-and-mental-wellbeing/financial-wellbeing-and-mental-health

@RNB

@Radio Northern Beaches


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