Dev Raga is a Melbourne (Australia) based podcaster who discusses common financial topics. This ranges from saving, investing, debt reduction, personal insurance and many more topics. He also gets really geeky about finance sometimes! We are on Facebook: @DevRagaPersonalFinance We are also on: 1. DevRaga.com 2. Castbox.fm 3. Anchor.fm 4. Apple podcasts 5. Spotify 6. Breaker Audio 7. Castro 8. RadioPublic 9. Player.fm 10. Podcast Addict 11. MixCloud 12. Overcast
In this episode we answer a question from andrew about whether it’s important to have income protection if they are a dual income family. Then we break down the concept of inflation, and see how it’s calculated, and how it may affect you.
In this episode I warn our listeners about checking their super and investment statements for “advice fees”. I also discuss a simple concept called the rule of 72. What is it? How it can be applied in your personal finances.
In this bonus episode I take a look at the Evergrande crisis, explain the issue and discuss the over arching lessons from it all.
In this episode we discuss the pros and cons of shares vs property, look at the long term performance numbers, and what I prefer moving forward. We also answer Brancos question on how to sell etfs or index funds partially!!
In this episode we discuss sepuns question about costs of being a landlord. We then discuss the main topic of asset protection. What is it? What Are some of the ways you can protect your hard earned wealth
In this episode, I answer the most common questions that are asked to me. Lots of interesting questions. Stay tuned!!
In this episode we discuss crypto staking, a question from Stefan. We also discuss the other options to bankruptcy: 1/ temporary debt protection, 2/ debt agreements, 3/ personal insolvency agreements.
In this episode, we discuss dr z situation of contracting for a gp practice. We also discuss about the concept of bankruptcy, what is it, the implications, the consequences, the challenges and why it’s “not a get out of jail card”.
In this episode we answer Dylan’s question about carry forward contributions for your super. The main topic is part 2 of decummulation strategy, and we discuss the concept of asset liability matching!
In this episode we discuss the concept of de accumulation, and go into how dollar cost avging may not work in your retirement phase. This is part 1 of 2 episodes about de accumulation.
In this episode we answer M’s question about how dividends are taxed. We also discuss the concepts of growth vs value investing. We also go into geeky concepts about risk adjusted returns.
In this episode we discuss the concepts of offset accounts, redraw facilities. The main topic is about cost comparison between own an EV and an ICE car!
In this episode we tackle the issue of late starters to saving and investing. Then we go deep into the concept of kelly criterion.
In this episode, we discuss Jesse’s question about HIN and Chess sponsorship when it comes to broker. Our main topic for this episode is about pet insurance, and some factors to consider.
In this episode we discuss the concept of 1/ div 293 income, 2/ div 293 super contributions, 3/ excess contributions tax, 4/ excess contributions charge.
In this episode we answer a question from raiz, and show him how he can become a multi millionaire by keeping things simple. We go on to discuss the benefits of pet ownership, and the financial costs.
In this episode we revisit what dividend reinvestment means, discuss franking credits and how dssp (dividend substitution share plan) is different. I discuss the pros and cons.
In this episode we discuss automation, specifically in relation to paying yourself first. We break down costs, when it comes to vanguard personal investor account.
In this episode we discuss dr p’s question about their problem: $1million in the bank. We then discuss the power of savings rates when it comes to investment returns!
In this episode we answer dr db’s question about dca or lump sum investing. We also do a deep dive on stock buy backs.
This is a common topic request I get. In this episode we discuss the tax implications of investing for children. We also discuss investment bonds, etfs, lics, index funds, and most of all to keep healthy to teach kids good habits!!
In this episode we answer Mohsin’s question about automation. We also dwelve deep into the world of corporate fraud, accounting fraud, white collar crime, insider trading, ponzi and pyramid schemes.
In this episode we will discuss Dr X cryptocurrency fraud story, and go into detail about types of consumer fraud.
In this episode we answer a question from neets who is a final medical student who asks: how to save for a home deposit and what concessions are there for first home buyers? We also discuss the concept of rent to own home schemes!
In this episode we will discuss the concept of rent vesting by using a typical example. Thank you monique for suggesting this topic.
We continue on to discuss the basics of currency trading. We cover leverage, pips, current exchange rates, factors affecting current demand and supply, government manipulation of currency. We also answer dr x’s question about carry forward of unused concessional contributions!
In this episode we discuss currency trading, and use basic examples to highlight important points. In part 2, we will focus on pips, exchange rates, currency pairs and more.
We have cracked 16000 unique listeners monthly!! In this episode we specifically focus on investment property deductions which are legal, and what is not allowed to be claimed. We also hear a review from the most epic username on apple podcasts!!
What happened this week with gamestop, and where to from here. I break it down in the simplest form, and provide my thoughts on an evolving story.
I have included 10 common questions I get asked a lot. Hopefully this covers the basics about me, my podcasts and my co host!
In this episode we discuss the concept of salary packaging / salary sacrifice. Subtopics include: capped vs uncapped benefits, meal and entertainment, help debt repayments and more.
In this episode we tackle index weightings. There are three main ways indexes are weighted: 1) market cap, 2) price weighted, 3) unweighted. We also answer an important question about choosing your medical speciality training program.
In this episode I reflect on the major lessons I have learnt from 2020 from a money, debt, personal finance and investing perspective. Happy new year!!
In this episode we will tackle a listener question about the temporary residence absence rule. We also do a deep dive into the points, percentage change and basis points system!
In this episode I discuss the concepts of dividend reinvestment plans and fractional shares. I use examples to highlight each of these concepts.
In this episode we discuss a listener situation, a young medical student has already started to invest. Well done. We discuss the phases of market cycles, and how it may impact your investing strategy.
In this episode I discuss how and why I started this channel, and will provide 10 basic steps to get started with your personal finances.
This is the last episode in my deductions series. In this episode we discuss little known deductions such as ATO interest, superannuation concessional contributions, gifts and donations, political campaigns, investmenr costs and more.
In this episode, Raymond gives us a tip about early stage innovation company. We also discuss self education expenses and tools and equipment. This is part 5 of 6, in our tax deductions series.
In this episode we discuss the various ways you can use to calculate home office deductions. 1) short cut method, 2) fixed costs method, 3) actual costs method.
After reading a lot online about people waiting to invest due to the uncertainty of next weeks presidential elections, we discuss the presidential election cycle and how it affects the stock markets! The motto is always #stayinvested
In this episode we discuss listener questions about de accumulation assets. The main topic is about work related clothing expenses with many examples to discuss real life scenerios.
This is part 2 of my mini series on tax deductions. Let's discuss vehicle related expenses, travel expenses and the two main methods of car deductions! I also answer the most common question u get, active v passive investing and index v etf investing.
In this episode we will discuss the concept of income and deductions. There are differences between a tax deduction vs a tax credit. This is part 1 of a 6 part series on tax deductions.
In this episode we do a deep dive into the costs of owning an EV. I also discuss some of the quirks and annoyance of my EV -the Tesla model 3 SR+.
In this episode we tackle the concepts of angel investing and venture capital. Thank you to welwyn for topic suggestion.
In this episode we tackle bull and Bear markets and discuss their definitions. We go into detail about various strategies active investors may want to employ when trading in these markets. We also tackle listener questions from a medical student called J!
In this episode we answer a listener question about 30-30-20-20 budget strategy. We take a detailed look at a financial plan, and the important elements of it.
I was fortunate enough to be featured in an interview with Dr David Keir who is the host of Dental Head Start Podcast. In this episode we go back to the basics of finances, and discuss some of the pitfalls that health care professionals may come across when it comes to saving, expenses, debt, investing, and retirement. If you are new to my podcast …