Dev Raga Personal Finance

this is money

Money concepts made simple for busy professionals

  • 1 hour 3 minutes
    best of 2024: the experience of owning a Tesla ( an interview with an EV youtuber)

    While we’re on a break, here’s a fan-favourite episode to keep you company. We’re bringing back this gem from earlier in the year – enjoy.


    Dev Raga continues his tradition of comparing his Tesla Model 3 SR+ which he purchased in 2019 with his previous Diesel. In this episode he focuses on the economics of EVs, and whether it makes sense to purchase EVs in a high cost of living climate. He touches on:


    👉🏿 petrol/diesel prices

    👉🏻 servicing costs

    👉 all the features EV's offer

    👉🏼 the annoying bits of Model 3


    And by the time this episode has aired, Dev has traded it in for a new Model 3 2024 model.


    Related episodes 🎧

    👇

    058 the economics of electric cars!

    093 EV cost analysis: 12 months of driving a Tesla

    123 EVs: 100,000km Tesla Model 3 update

    225 EVs: 150,000km Tesla Model 3 update

    324 EVs: 200,000km Tesla Model 3 update


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.


    Hosted on Acast. See acast.com/privacy for more information.

    17 December 2024, 6:10 pm
  • 20 minutes 2 seconds
    448 how arbitrage works?

    In today’s episode Dev explains arbitrage, touching on:


    👉🏾 what is arbitrage?

    👉🏿 what is an efficient market hypothesis?

    👉🏻 what is arbitrage pricing theory?

    👉 the various types of arbitrage?

    👉🏼 some specifics of arbitrage?


    Related episodes 🎧

    👇

    026 what is arbitrage?


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.



    Hosted on Acast. See acast.com/privacy for more information.

    10 December 2024, 6:10 pm
  • 45 minutes 2 seconds
    447 understanding SMSFs: how they work, the costs, risks, challenges + more

    In today’s episode Dev interviews Alex Luck of Everest Wealth, touching on:


    👉🏾 what is an SMSF?

    👉🏿 what can I do with SMSF that I can't do with normal industry super/retail funds

    👉🏻 fees associated

    👉 at what value is an SMSF cost effective?

    👉🏼 what about rules and taxes?

    👉🏽 what happens if some people in accumulation phase, and others in retirement phase?

    👉🏾 do all members have to be invested in same asset class?

    👉🏿 what about insurance?

    👉🏻 who is responsible for investment decisions?

    👉 what happens in marriage breakdown or death of a member?

    👉🏼 how do you wind it down?

    👉🏽 what happens if you breach the strict super laws since you are on your own?



    Alex Luck

    Everest Wealth (everestwealthgroup.com.au)

    Instagram (@everestwealth)


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.




    Hosted on Acast. See acast.com/privacy for more information.

    3 December 2024, 6:10 pm
  • 14 minutes 10 seconds
    446 what is Benner's cycle?

    In today’s episode Dev explains Benner's Cycle touching on:


    👉🏾 what is Benner's cycle?

    👉🏿 what is a market cycle?

    👉🏻 stages of a market cycle?

    👉 examples of a Benner's cycle predictions


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.




    Hosted on Acast. See acast.com/privacy for more information.

    26 November 2024, 6:10 pm
  • 47 minutes 52 seconds
    445 invest smarter with automation, low fees, and the power of a financial community

    In today’s episode, Dev interviews Nick Nicolaides co-founder of Pearler, touching on:


    👉🏾 how long has Pearler been around?

    👉🏿 what investments are available?

    👉🏻 what is HIN (holder identification number)?

    👉 what is the fee structure?

    👉🏼 understanding their automation

    👉🏽 support - tech and non-tech

    👉🏾 what happens when Pearler goes bankrupt?


    https://pearler.com/


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.


    Hosted on Acast. See acast.com/privacy for more information.

    19 November 2024, 6:10 pm
  • 1 hour 8 minutes
    444 money, leadership + medical exam tips with a hospital executive director

    In today’s episode Dev interviews Dr. George Eskander, touching on:


    👉🏾 what does an executive do?

    👉🏿 his journey and training into his role?

    👉🏻 what other career options do executives have?

    👉 how does your day look like?

    👉🏼 junior doctors, pay and culture

    👉🏽 his side hustle - PassGP

    👉🏾 investing philosophy

    👉🏿 money wins


    Dr. George Eskander

    [email protected]

    PassGP.au 

    https://www.passgp.au/dev-raga-personal-finance



    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.



    Hosted on Acast. See acast.com/privacy for more information.

    12 November 2024, 6:10 pm
  • 55 minutes 13 seconds
    443 the quick start guide to investing with Glen James!

    In today’s episode Dev interviews Glen James, touching on:


    👉🏾 why write a book?

    👉🏿 how does your book differ from other investing books?

    👉🏻 who is Nick Bradley?

    👉 why are behaviours important?

    👉🏼 tell us about your 40% loss of investments as an 18-year-old

    👉🏽 contrarian views - go through each one



    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.




    Hosted on Acast. See acast.com/privacy for more information.

    5 November 2024, 6:10 pm
  • 45 minutes 23 seconds
    442 superannuation part 2 - retirement phase

    In today’s episode Dev interviews Scott Taylor, touching on:


    👉🏾 what is preservation age?

    👉🏿 what are my options when I retire?

    👉🏻 can I chop and change phases?

    👉 what is Transition to Retire (TTR)?

    👉🏼 how does tax work in the retirement phase?

    👉🏽 how does an aged pension get affected?

    👉🏾 what is a downsizer contribution?

    👉🏿 what is the re-contribution strategy?

    👉🏻 what is binding death nomination?

    👉 how long can I continue to work and get super?

    👉🏼 any specific rules on investment in retirement?


    Scott Taylor [email protected]

    Everest Wealth (everestwealthgroup.com.au)

    Instagram (@everestwealth)


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.



    Hosted on Acast. See acast.com/privacy for more information.

    29 October 2024, 6:10 pm
  • 53 minutes 30 seconds
    441 superannuation part 1: accumulation phase

    In today’s episode Dev interviews Scott Taylor, touching on:


    👉🏾 why does super exist?

    👉🏿 what are the type of contributions and their respective limits?

    👉🏻 carry forward contributions vs bring forward contributions

    👉 super for low income owners

    👉🏼 what is the first home super savers scheme?

    👉🏽 retail vs industry super fund

    👉🏾 how do taxes work in super?

    👉🏿 conditions of early release

    👉🏻 what is excess contributions tax?

    👉 what is maximum super contributions base?

    👉🏼 how to max out non earning spouse?

    👉🏽 why can't I get trauma insurance in super?



    Everest Wealth was founded 6 years ago by Scott Taylor & Alexander Luck and set out to help young professionals all around Australia get ahead and build their wealth.


    Everest Wealth (everestwealthgroup.com.au)

    Instagram (@everestwealth)


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.



    Hosted on Acast. See acast.com/privacy for more information.

    22 October 2024, 6:10 pm
  • 22 minutes 49 seconds
    440 sequence of returns risk & how it affects your retirement

    In today’s episode Dev explains sequence of returns risk, touching on:


    👉🏾 what is sequence of returns risk?

    👉🏿 wealth accumulation vs retirement phase

    👉🏻 does sequence of returns risk affect everyone?

    👉 what asset classes are effected?

    👉🏼 an example to highlight the principle - rising market vs falling market




    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.


    Hosted on Acast. See acast.com/privacy for more information.

    15 October 2024, 6:10 pm
  • 1 hour 10 minutes
    439 retirement living options, preparing for aged care + preparing financially

    In today’s episode Dev interviews Louise Biti of Aged Care Steps, touching on:


    👉🏾 retirement living options

    👉🏿 pros and cons of each type

    👉🏻 financial costs of each option

    👉 should a family doctor be involved?

    👉🏼 how to access myaged care?

    👉🏽 aged care specifics

    👉🏾 what happens when you die?

    👉🏿 what is RAD?

    👉🏻 what is the function state trustee?

    👉 Aged care vs Centrelink



    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.


    Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.



    Hosted on Acast. See acast.com/privacy for more information.

    8 October 2024, 7:10 pm
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