Dev Raga Personal Finance

this is money

Money concepts made simple for busy professionals

  • 23 minutes 13 seconds
    what is a 360 review?

    In today’s episode Dev explains the concept of a 360 review, touching on:


    👉🏾 how does a 360 review work?

    👉🏿 goals of review

    👉🏻 what is a traditional review?

    👉 pros and cons

    👉🏼 how do you give a 360 review?

    👉🏽 the problems with F2F feedback


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    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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.




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    14 May 2024, 7:10 pm
  • 53 minutes 34 seconds
    417 how does an airline vlogger make money and invest?

    In today’s episode Dev interviews Youtube's most watched flight reviewer, Josh Cahill, touching on:


    👉🏾 paid reviews

    👉🏿 controversies

    👉🏻 youtube revenue

    👉 investment and savings

    👉🏼 health and travel

    👉🏽 traveling to dangerous places

    👉🏾 experience of setting up the first all-female pilot crew in Afghanistan

    👉🏿 tips for frequent flyers


    Josh Cahill

    YouTube's Most Watched Flight Reviewer.

    www.YouTube.com/joshcahill


    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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.






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    7 May 2024, 7:10 pm
  • 1 hour 10 minutes
    416 fixed vs variable, redraw vs offset, commercial loans, preparing to meet a broker + more (Q&A with a mortgage broker)

    In today’s episode Dev interviews Rachelle Kroon, a mortgage broker, touching on:


    👉🏾 qualifications of a mortgage broker

    👉🏿 how to prepare for a meeting

    👉🏻 how brokers get paid

    👉 what are the focus of interest rates

    👉🏼 specific loan features

    👉🏽 health care workers / high-income earners

    👉🏾 difference from commercial loans

    👉🏿 fixed variable rates

    👉🏻 penalties for breaking the rules

    👉 redraw and offsets


    Rachelle Kroon

    https://www.spherehomeloans.com.au/





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    30 April 2024, 7:10 pm
  • 38 minutes 47 seconds
    415 Q&A: overtime, burn out, property v shares, productive assets and more

     In today’s episode Dev answers some of your questions, touching on:


    👉🏾 overtime and sustainability?

    👉🏿 ways to pay back credit cards?

    👉🏻 increase earning potential?

    👉 taxation for RNs,

    👉🏼 high income earns and trusts?

    👉🏽 property vs shares


    Related episodes 🎧


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    045 what are REITs?

    203 what is diworsification?


    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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.





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    23 April 2024, 7:10 pm
  • 41 minutes 21 seconds
    414 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 2

    In today’s episode Dev continues his interview with Phil Thompson - an insurance expert, going in-depth on:


    👉🏽 income protection and life insurance

    👉🏾 trauma insurance and TPD

    👉🏿 claim rejections


    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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.




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

    16 April 2024, 7:10 pm
  • 47 minutes 2 seconds
    413 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 1

     In today’s episode Dev interviews Phil Thompson - an insurance expert, touching on:


    👉🏾 the basics of insurance

    👉🏿 difference of a financial advisor and insurance advisor

    👉🏻 insurance via TV ads

    👉 the concept of self-insurance

    👉🏼 super vs non-super insurance

    👉🏽 income protection and life insurance

    👉🏾 trauma insurance and TPD

    👉🏿 claim rejections


    https://www.thisis.money/blog/2018/12/4/everything-you-need-to-know-about-life-insurance-yg3cr


    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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.






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

    9 April 2024, 7:00 pm
  • 27 minutes 43 seconds
    412 will and estate planning (Q&A with a lawyer) part 2

    In today’s episode, Dev continues his interview with special guest Marlee Viero who is a wills lawyer from Nest Legal. In the 2nd part of this chat Dev and Marlee touch on:


    👉🏾 the role of the executor; administering the estate

    👉🏿 probate vs grants

    👉🏻 the role of the court

    👉 invalidity of the will

    👉🏼 who can challenge a will

    👉🏽 digital assets


    Find out more about Marlee & the team at Nest Legal: www.nestlegal.com.au


    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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.


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

    2 April 2024, 6:00 pm
  • 56 minutes 57 seconds
    411 will and estate planning (Q&A with a lawyer) part 1

    In today’s episode Dev interviews special guest Marlee Viero who is a lawyer specialising in wills and estate planning. They chat about:


    👉🏾 what happens when you don't have a will?

    👉🏿 do it yourself will kits

    👉🏻 what is an executor?

    👉 what is a beneficiary?

    👉🏼 what is a guardian?

    👉🏽 what about kids under 18?

    👉🏾 distribution of assets, special items, etc.

    👉🏿 what is a testamentary trust?


    Find out more about Marlee & the Nest Legal team: www.nestlegal.com.au


    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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.


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

    26 March 2024, 6:00 pm
  • 59 minutes 51 seconds
    410 an interview with AG (alternative investments, day trading + more)

    In today’s episode Dev interviews special guest AG who day trades, touching on AG's experience with crypto and his personal investing philosophy. They chat about:


    👉🏾 what is cryptocurrency and how do you make money from it?

    👉🏿 costs of trading

    👉🏻 net worth and income

    👉 what is day trading and how one can compete with with "big people"

    👉🏼 is time included in return calculations

    👉🏽 mainstream/traditional investments

    👉🏾 superannuation - where does it fit in?


    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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.



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

    19 March 2024, 6:10 pm
  • 24 minutes 4 seconds
    409 money mistakes by doctors - part 2

    In today’s episode Dev explains money mistakes doctors make, touching on:


    👉🏾 not prioritizing relationships,

    👉🏿 not doing a will and estate plan,

    👉🏻 training for far too long, waiting to become a consultant

    👉 poor soft skills,

    👉🏼 complicating their financial life


    Related episodes 🎧


    208 what is a prenuptial or binding financial agreement?


    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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.



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

    12 March 2024, 6:10 pm
  • 34 minutes 15 seconds
    408 money mistakes by doctors - part 1

    In today’s episode Dev explains money mistakes doctors make, touching on:


    👉🏾 not having a budget or financial plans

    👉🏿 debt

    👉🏻 lifestyle creep

    👉 under insuring themselves


    Related episodes 🎧


    117 what is automation?


    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, 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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.


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

    5 March 2024, 6:10 pm
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