Medical Money

We all know electricity and energy prices have gone crazy making it the ideal time to install or upgrade your home solar system.Today's  guest is Finn PeacockFinn is an electrical engineer by training and is the founder of SolarQuotes.com.auSince 2009 Solar Quotes has helped over 600,000 Australians get high-quality solar quotes and reviewed over 2,500 solar installation companies.In this episode, we discuss solar systems, batteries and government rebates.We also talk about using your electric vehicle to power your home, virtual power plants, the Tesla roof, and how you can save money with your next electricity bill with one simple phone call.Topics discussed in this episode:Solar panelsInvertersRackingConsumption monitoring systemsSolar rebatesSelecting a good installerBatteries Payback periodsElectric vehicles to power your homeRemote inverter shutdownSolar taxReducing your energy bills Useful Links Mentioned in the Episode:Solar Quotes- www.solarquotes.com.auTesla Roof-https://www.tesla.com/en_au/solarroofTractile-https://tractile.com.auAmber Energy-https://www.amber.com.au/Energy Made Easy-https://www.energymadeeasy.gov.au

Today's Guest: Graeme Hedges- Insurance & Financial AdvisorEmail: graeme@hedges-assetplanning.comPhone: 1800 INVEST (or 08 8267 2000)Website: https://hedges-assetplanning.com/In October 2022 another round of changes is happening to income protection insurance policies . This episode is divided into 2 parts for easier listening.47atypes of personal insurance income protectionlife total and permanent disabilitytraumaneedle stickchanges to income protection policies since 2020upcoming income protection changes in October 202247bthe process of getting an insurance policyown occupation vs any occupationlevel premiums vs stepped premiumsreviewing an existing policyways to reduce your policy premiumslistener questions answered

Today's Guest: Graeme Hedges- Insurance & Financial AdvisorEmail: graeme@hedges-assetplanning.comPhone: 1800 INVEST (or 08 8267 2000)Website: https://hedges-assetplanning.com/In October 2022 another round of changes is happening to income protection insurance policies . Yes, that's just weeks away.This episode is divided into 2 parts for easier listening.47atypes of personal insurance income protectionlife total and permanent disabilitytraumaneedle stickchanges to income protection policies since 2020upcoming income protection changes in October 202247bthe process of getting an insurance policyown occupation vs any occupationlevel premiums vs stepped premiumsreviewing an existing policyways to reduce your policy premiumslistener questions answered

Book your free 1:1 strategy call with the Crypto Consulting Institute by visiting the link below. Mention the Medical Money Podcast when you book to get a $2,000 discount if you decide to become a CCI client.https://linktr.ee/cryptoconsultinginstituteJoe  Shew has been a crypto investor since 2014 and is founder of the Crypto Consulting Institute. He has a wealth of investing experience in both traditional finance and crypto. If you have already started investing in crypto or are crypto curious I'm sure you'll discover many pearls of wisdom from this conversation that will make you a better investorThis is a deep dive episode where we discuss:the biggest mistakes made by crypto investorswhere we are in the current market cyclemarket psychologymacroeconomicsproject fundamentalsLinks to Resources Mentioned In The Episode.Psychology/ Sentiment- Market Fear & Greed-  https://edition.cnn.com/markets/fear-and-greedBitcoin Fear & Greed-  https://alternative.me/crypto/ETH Fear & Greed-  https://mobile.twitter.com/ethereumfearLunar Crush-  https://lunarcrush.com/global-coin-metrics?metric=social_volume%2Csocial_scoreWall St Cheat Market Psychology Sheet- https://www.reddit.com/r/coolguides/comments/k04ihf/wall_st_cheat_sheet/Macroeconomics- Trading Economics- https://tradingeconomics.comDollar Index- https://www.tradingview.com/symbols/TVC-DXY/S&P 500- https://www.tradingview.com/chart/?symbol=AMEXNASDAQ 100- https://www.tradingview.com/chart/?symbol=NASDAQOn Chain- Mayer Multiple https://www.buybitcoinworldwide.com/stats/mayermultiple/Reserve risk https://www.lookintobitcoin.com/charts/reserve-risk/, NUPL https://www.lookintobitcoin.com/charts/relative-unrealized-profit--loss/Realised Price https://www.lookintobitcoin.com/charts/realized-price/Technical Analysis-Trading View- www.tradingview.com

Show Noteswww.medicalmoney.com/episode45Today we're discussing the tax issues surrounding crypto and digital assets.My guest is Marc Phillis from Cryptocate an innovative cryptocurrency tax consultancy firm.In this episode we discuss the tax implications of capital gains, staking, yield farming, mining and much more.If you are a crypto investor or looking to gain exposure to this space, I'm sure you'll learn something from this episode.Today's GuestMac PhillisEmail: marc@cryptocate.comauWeb: www.cryptocate.com.auTell them you heard him on the podcast and he will give you a 10% discount :)

Show Noteswww.medicalmoney.com/episode44Today’s episode is about investing in micro-cap companies. My guest is Carlos Gil, the CEO of Microequities Asset Management. Carlos has been investing in micro-cap business for decades and is the Chief Investment Officer for his company’s funds.His flagship Deep Value Fund has compounded its growth over 19% per annum since its inception in March 2009.In this interview, Carlos shares with us his investment philosophy and journey. He also explains the factors he considers to be most important when analysing a small-cap business and its management. If you’re looking to add micro-cap multi-baggers to your portfolio, the insights Carlos shares are priceless.Today’s GuestCarlos GilCEO Microequities Asset ManagementWebsite: www.microequities.com.auEmail: invest@microequities.com.auPhone: +61 2 9009 2900

Show Notes:www.medicalmoney.com/episode43October 2021 is going to bring some sweeping new changes to the personal insurance space. Income Protection policies will be most affected and policies will look vastly different.Today’s guest is Sacha Loutkovsky who is a specialist insurance broker. In this conversation, Sacha explains some of the new changes and the difference between level and stepped premiums. We also discuss how doctors can approach their insurance cover as we progress through our careers.Having seen at least 2 close colleagues access policy benefits in the past year, I can’t imagine what life for them and their families would be like if they didn’t have their insurance safety net.If you haven’t got your insurance sorted out time is running out. If you have a colleague who might be a bit blasé in this area of life, please share this episode with them too.Today’s GuestSacha LoutkovskySenior Advisor & Insurance Specialist Profile Financial Serviceswww.profileservices.com.auEmailsacha.loutkovsky@profileservices.com.auLinkedInwww.linkedin.com/in/sachaloutkovsky

Show Noteswww.medicalmoney.com/episode42Today we’re taking a deep dive and exploring the world of Bitcoin. My guest today is Vijay Boyapati. Vijay published his article “The Bullish Case for Bitcoin” back in 2018 and since then has become one of the most sought after educators in this space.In our conversation, I get Vijay to explain and demystify the underlying technology of Bitcoin. We then talk about the drivers for Bitcoin’s price appreciation over time and address some of the inherent risks.My aim is that after listening to this episode, anyone can go from total newbie to having a rational and intelligent conversation. I have other episodes planned, so I will house the podcasts and resource links including Vijay’s article at www.medicalmoney.com/bitcoinShow Sponsor: BINANCEBinance enables you to easily purchase bitcoin and other digital assets using your smartphone or computer.Their trading commission is just 0.1% and they accept Osko fund transfers with no fees.New clients will get 10% off your trading fees by visiting www.medicalmoney.com/binance

Show Noteswww.medicalmoney.com/episode41Sponsor:InStitchu Custom Tailors.  Get 15% off using the code: MEDICALwww.medicalmoney.com/suitIn this episode, you’re going to get some tips that will help you ace your next interview. If you know someone who has an interview coming up for a training position, consultant job or service reg position, please share this episode with them.Interviews are the doorways to the next step in our career.We all know that there’s a significant pay bump when we become a consultant. This means that each extra year we spend as an RMO or registrar because we didn’t make the cut, has a significant impact on our long-term ability to create wealth. My guest is Anita Fletcher from Standout Medical Careers. Anita helps doctors prepare for the next step of their careers with career advice, CV construction and interview preparation.Regular listeners will remember Anita from episode 24, where we talked about career inertia and opportunities.Today we discuss some general interview tips followed by some specific hints for those of you fronting up for a training or consultant job.Enjoy this episode, and good luck with your next interview.

Show Noteswww.medicalmoney.com/episode40In this episode we unpack the world of commercial property.My guest is Steve Palise who is an active investor and commercial property buyers agent.He’s been featured in Money Magazine and numerous news media outlets.Steve has just released his book Commercial Property Investing Explained Simply and as a special gift for being my podcast listener you can get a copy for free!Today we discuss the outlook for commercial real estate, the risks and benefits of investing in commercial property and key considerations for new investors. We also touch on due diligence, funding and ways to improve investment yields.Steve’s book is an excellent resource. If you’re a new investor it will give you a solid foundation. If you’re already investing it will give you some creative ideas for growing and optimising your portfolio.To get your free copy of Steve’s book Commercial Property Investing Explained Simply visit www.medicalmoney.com/steve and use the code MEDICAL to get the book for free.Learn More about Steve Palisesteve@paliseproperty.comwww.paliseproperty.com

Show Noteswww.medicalmoney.com/episode39If you or someone you know is applying for a training position or a consultant job in the near future, this is an episode you don’t want to miss.Today my guest is Orla Baker. Orla has more than 10 years of experience in writing CVs, cover letters and assisting her clients prepare for job interviews. In todays’ episode Orla shares with us her tips for writing a CV and cover letter that will get you noticed. There are even some tactics might surprise you. We also discuss some of the finer points when applying for a training position, consultant job and non-clinical role.Enjoy the interview and good luck with your next job application.Connect with Orla:www.orlaconsulting.co/orla@orlaconsulting.coSponsor:Tego- Get 2 months free and 5% off your indemnity insurance premiumwww.tego.com.au

Show Noteswww.medicalmoney.com/episode38Today my guest is David Blake from Bioshares.Bioshares is a weekly newsletter that researches and analyses ASX-listed life science and biotech companies.David has been analysing these businesses for over 20 years and runs an annual summit that brings together company management and investors.In this episode we discuss therapeutics, hardware, software and areas with growth opportunities.Enjoy the interview.Sponsor:Sharesight- the easiest way to track your portfolio.www.medicalmoney.com/sharesight

Today I’m hanging out with Dev Raga and we are going to have a chat about our investing approach, the year that was 2020 and teaching our kids about money.If you enjoy this episode please subscribe and leave a review on your podcast platform of choice.If you’d like Dev and I to do more episodes like this in the future send us an email through the links at www.devraga.com or www.medicalmoney.comEnjoy the episode and we wish you the very Merriest of Christmases and a Happy New Year.

www.medicalmoney.com/episode36Money doesn’t always buy happiness and doctors are not immune from mental health issues.The Medical Journal of Australia recently reported that one in five medical students reported suicidal ideation in the preceding 12 months and 50% of junior doctors experience moderate to high levels of distress.But it doesn’t stop once you fellow, consultants attempt or commit suicide every year.My episodes typically focus on improving our financial literacy, today we’re going to improve our emotional literacy because happiness is not directly related to our bank account.Today my guest is Hugh Van Cuylenburg. He’s the author and founder of the Resilience Project. Through engaging programs and practical strategies, he’s teaching Australians how to become resilient in our new and demanding world. His message is being spread through schools, elite sports teams and corporate Australia.This is a casual conversation where we discuss the positive impact of bringing gratitude, empathy and mindfulness into our daily lives so that we can be more fulfilled and happy.

Show Noteswww.medicalmoney.com/episode35Today my guest is Owen Raszkiewicz from Rask Australia. In this interview, we talk about his investing philosophy and how he analyses growth companies.In particular, he explains how to assess the executive and management teams behind the business and some red flags investors should be mindful of. If you invest in direct shares I’m sure you will get a lot from this episode.Owen provides an amazing array of financial and investment education through his newsletters, courses and Podcasts and many of his services are free to join. You can learn more by visiting www.medicalmoney.com/rask where you will also find a discount code for his paid subscriptions. Links Mentioned in this Episode:Document Analysis & Search Software- Sentieohttps://sentieo.comInvestment Analytics- Koyfinhttps://www.koyfin.comFind Owen here:Twitter:https://twitter.com/OwenRaskhttps://twitter.com/RaskAustraliaLinkedInhttps://www.linkedin.com/in/owen-raszkiewicz-4035a9b9/

Show Noteswww.medicalmoney.com/episode34Today my guest is Dr Mary Manning. Mary is Portfolio Manager for the Asian and Indian Funds at Ellerston Capital. She has a PhD, Harvard MBA and worked with the likes of George Soros and Howard Marks.In this interview, we discuss the economic growth stories of Asia, technological arms race, impact of coronavirus and the upcoming US election.Today’s Guest:Dr Mary ManningPortfolio ManagerEllerston Capitalwww.ellerstoncapital.comFundsEllerston Asian Investments LIC (ASX:EAI)https://ellerstoncapital.com/listed-investment-companies/ellerston-asian-investments/Ellerston Asia Growth Fundhttps://ellerstoncapital.com/our-funds/ellerston-asia-growth-fund/Ellerston India Fundhttps://ellerstoncapital.com/our-funds/ellerston-india-fund/LinkedIn:www.linkedin.com/in/mary-manning-a69494133/

Show Noteswww.medicalmoney.com/episode33Shareplicity- A Simple Approach to Share Investing with Danielle EcuyerTodays GuestDanielle EcuyerAuthor of “Shareplicity- A Simple Approach to Share Investing”Websitewww.shareplicity.com.auLinkedInwww.linkedin.com/in/danielle-ecuyer-a924b48/Danielle has been involved in the share market for decades. She began her career as an equities analyst and advisor for large investment firms in both Australia and the UK. For the past 12 years she has been a private investor where her main income source is derived from her investments. In this interview we discuss the old economy blue chips and compare them with the new “weightless” tech companies that have been driving the recent economic growth.Danielle also shares her approach to portfolio construction, asset allocation and dealing with risk.

Show NotesUscom (UCM) with Professor Robert Phillips, CEOwww.medicalmoney.com/episode32“Advanced Hemodynamics, COVID-19 & Sepsis” Wednesday, September 8, 2020 @4am ESTSeminar link:https://us02web.zoom.us/webinar/register/6015978726597/WN_EEH7wwCeS0ekf1iIDfSVVgToday’s Guest Professor Robert PhillipsChief Executive Officer Uscom (UCM:ASX)Web:www.uscom.com.auEmail:rob@uscom.com.au

Show Noteswww.medicalmoney.com/episode31Today’s GuestMark HeritageCEO, Founder & Licensed AgentOver and Above Property Partnershttps://www.overandabove.com.auEmailmark@overandabove.com.auBook A Consultations with Markhttp://bit.ly/MarkHeritage45minOTBookingResourcesAustralian Property Investing Hub on Facebookhttps://www.facebook.com/groups/AustralianPropertyInvestingHub/Australian Guide to Property Investment Successhttp://bit.ly/TheAustGuidetoPropertyInvestmentSuccessPricing Structurehttp://bit.ly/OAAFullServicePricingMH

Show Noteswww.medicalmoney.com/episode30Today's Guest Robert EdgleyManaging DirectorSelfWealth (ASX:SWF)www.selfwealth.com.au

Show Noteswww.medicalmoney.com/episode29Today we’re talking about tax deductions and some claims that might raise the suspicions of the ATO.We discuss car, work-related and travel deductions as well as how the ATO might communicate with you so you don’t fall prey to a phone phishing scam. Matt also explains some Corona related issues like PAYG instalments and Jobkeeper.Today's GuestMatthew HoldenAccountant & PartnerBrentnalls SA, Chartered Accountants & Advisorswww.brentnalls-sa.com.auEmailmch@brentnalls-sa.com.auLinkedInhttps://www.linkedin.com/in/matthew-holden-906b5835/Increase your Financial IQ with Rask Australiawww.medicalmoney.com/rask

Show Noteswww.medicalmoney.com/episode28This episode is about poo- more specifically fecal microbiota transplant therapy (FMT).My guest is Dr Sam Costello who is a gastroenterologist and co-founder of the BiomeBank.In this interview, we talk about the use of FMT in treating clostridium difficile, ulcerative colitis and irritable bowel syndrome.Sam also shares the process of getting products approved for patient use and how you can get involved as a collaborator.Today’s GuestDr Sam CostelloBiomeBankwww.biomebank.orgEmailsam.costello@biomebank.org

Show Notesmedicalmoney.com/episode27Today we are talking about cybersecurity with Daniel Lai, CEO of ArchTIS. ArchTIS is listed as AR9 on the ASX.This is the first of my “Inside Line” series of interviews where I’ll chat with senior executives of Australian listed companies to understand about their business and the solutions they offer.Today’s GuestDaniel LaiCEO, ArchTIS (ASX:AR9)ArchTISwww.archtis.com

Smart Beta & Factor Investing with John Caulfield from Van Eck Australiawww.medicalmoney.com/episode26Topics covered:What is Smart Beta & Factor Investing?Academic Factors- quality, small size, value, momentum, low volatility, yieldFactor performance during the Corona correctionEquity Factor ETFs - the intersection of traditional active and passiveMVW- Australian Equal WeightQUAL- MSCI World ex-Australia QualityCETF- FTSE China A50CNEW - China New EconomyMOAT- Morningstar Wide MoatPortfolio exposure to Smart BetaToday’s GuestJohn CaulfieldVan Eck Australiahttps://www.vaneck.com.au/Linkedinhttps://www.linkedin.com/in/john-caulfield-51072bb/Smart Beta White Paperhttps://www.vaneck.com.au/globalassets/home.au/special/smart-beta-landing-page/smart-beta-flyer_sept2019.pdf

Smart Beta & Factor Investing with John Caulfield from Van Eck Australiawww.medicalmoney.com/episode26Topics covered:What is Smart Beta & Factor Investing?Academic Factors- quality, small size, value, momentum, low volatility, yieldFactor performance during the Corona correctionEquity Factor ETFs - the intersection of traditional active and passiveMVW- Australian Equal WeightQUAL- MSCI World ex-Australia QualityCETF- FTSE China A50CNEW - China New EconomyMOAT- Morningstar Wide MoatPortfolio exposure to Smart BetaToday’s GuestJohn CaulfieldVan Eck Australiahttps://www.vaneck.com.au/Linkedinhttps://www.linkedin.com/in/john-caulfield-51072bb/Smart Beta White Paperhttps://www.vaneck.com.au/globalassets/home.au/special/smart-beta-landing-page/smart-beta-flyer_sept2019.pdf

Show Noteswww.medicalmoney.com/episode25If you’ve just started trading the markets, or you know someone that has, hopefully this episode can help you either increase your profits of prevent you from losing your shirt.The recent stock market correction has seen millions of new brokerage accounts opened across the globe.Many people with no prior experience have been willing to put their hard earned dollars on the line to begin their trading careers.Part 1Trading vs buy-and-hold forever and why he chooses to tradeTrading approaches and time frames - its not all about day tradingTechnical analysis, its failings and the “lunatic fringe”A routine for successPart 2Getting started as a traderEvolving as a traderRisk management Dealing with lossesGuestChris TateThe Trading Gamewww.tradinggame.com.auGet the Trading Plan TemplateLinkedInwww.linkedin.com/in/christatetrader

Show Noteswww.medicalmoney.com/episode25If you’ve just started trading the markets, or you know someone that has, hopefully this episode can help you either increase your profits of prevent you from losing your shirt.The recent stock market correction has seen millions of new brokerage accounts opened across the globe.Many people with no prior experience have been willing to put their hard earned dollars on the line to begin their trading careers.Part 1Trading vs buy-and-hold forever and why he chooses to tradeTrading approaches and time frames - its not all about day tradingTechnical analysis, its failings and the “lunatic fringe”A routine for successPart 2Getting started as a traderEvolving as a traderRisk management Dealing with lossesGuestChris TateThe Trading Gamewww.tradinggame.com.auGet the Trading Plan TemplateLinkedInwww.linkedin.com/in/christatetrader

Show Noteshttps://medicalmoney.com/episode24/In this interview we cover:Career inertiaPortfolio careersAlternatives to the status quoDiscovering opportunities Preparing for your career moveToday’s GuestAnita FletcherStandout Medical Careershttps://standoutmedicalcareers.com.au/Emailinfo@standoutmedicalcareers.com.auPhone(+61) 0437 527 597

Show Noteshttps://medicalmoney.com/episode24/In this interview we cover:Career inertiaPortfolio careersAlternatives to the status quoDiscovering opportunities Preparing for your career moveToday’s GuestAnita FletcherStandout Medical Careershttps://standoutmedicalcareers.com.au/Emailinfo@standoutmedicalcareers.com.auPhone(+61) 0437 527 597

Show Noteswww.medicalmoney.com/episode23Today my guest is Rose Cocchiaro who is a family law and divorce specialist. Rose is the founder of Resolve Divorce. After witnessing years of painful courtroom litigation she sought to provide a resolution focussed approach that nurtures the well being and personal growth of people and their families.Topics we cover:What is a prenup or binding financial agreementWhat to do if you are served a prenupWhat constitutes a de facto relationshipFinancial problems that crop up during relationshipsInheritance, lottery wins, giftsDivorce, asset pools, child support and spouse maintenanceToday’s GuestRose CocchiaroFamily Law & Divorce SpecialistResolve Divorcewww.resolvedivorce.com.auEmaillawyers@resolvedivorce.com.auLinkedInwww.linkedin.com/in/adelaidedivorcelawyer

Show Noteswww.medicalmoney.com/episode23Today my guest is Rose Cocchiaro who is a family law and divorce specialist. Rose is the founder of Resolve Divorce. After witnessing years of painful courtroom litigation she sought to provide a resolution focussed approach that nurtures the well being and personal growth of people and their families.Topics we cover:What is a prenup or binding financial agreementWhat to do if you are served a prenupWhat constitutes a de facto relationshipFinancial problems that crop up during relationshipsInheritance, lottery wins, giftsDivorce, asset pools, child support and spouse maintenanceToday’s GuestRose CocchiaroFamily Law & Divorce SpecialistResolve Divorcewww.resolvedivorce.com.auEmaillawyers@resolvedivorce.com.auLinkedInwww.linkedin.com/in/adelaidedivorcelawyer

Show Noteswww.medicalmoney.com/episode22Every year, Barrons and the Australian publish their list of Australia’s Top 50 Financial Advisers. Sue Dahn was crowned #1 in 2019. Sue has been a professional advisor at Pitcher Partners for over 21 years and is the first woman to top the list since the rankings began. This interview was recorded on June 10, about 2 weeks before the 2020 list is due to be published.In this interview we cover:the positive impact of the Royal Commissionroutine questions that stump many clientsportfolio constructioncalculating your retirement numberwhen it makes sense to start an SMSFfinancial and non-financial benefits of engaging a financial adviserinvesting for childrenstrategies for investing during CoronavirusToday’s GuestSue DahnFinancial AdviserWebsitepitcherinvestments.com.au Emailsue.dahn@pitcher.com.auLinkedInwww.linkedin.com/in/suedahn/

Show Noteswww.medicalmoney.com/episode21Episode 21bLinear vs exponential thinkingInvestment thesesBuy low & buy higherWhen to sellCorona and the futureToday’s GuestMatt JoassChief Investment Officer of Maven FundsWebsitewww.mavenfunds.com.auBlogwww.mattjoass.comLinkedInwww.linkedin.com/in/mattjoassTwitter@MattJoass

Show Noteswww.medicalmoney.com/episode21Episode 21aMatt’s Investing JourneyHis Investing StyleSmall cap investingCatching MonstersToday’s GuestMatt JoassChief Investment Officer of Maven FundsWebsitewww.mavenfunds.com.auBlogwww.mattjoass.comLinkedInwww.linkedin.com/in/mattjoassTwitter@MattJoass

Show Noteswww.medicalmoney.com/episode20Today’s GuestVeronica MorganVeronica is a buyers’ agent and property expert with over 20 years of industry experience. She’s a real estate media personality, the host of Location, Location, Location Australia on the Lifestyle Channel and also co-hosts the real estate podcast called Elephant In the Room.Veronica’s been Published in The Sydney Morning Herald, Your Investment Property and Australian Property InvestorOriginally a sales agent, Veronica became a buyer's agent after realising buyers were unrepresented and often at a significant disadvantage compared to sellers.In this Episode:Property due diligencePurchasing prior to auction Preparation for auction dayStrategies & sneaky tacticsEmailsupport@gooddeeds.com.auLinkedInhttps://www.linkedin.com/in/veronicakaymorgan/Good Deedswww.gooddeeds.com.auVeronica’s BookAuction Ready- How To Buy At Auction Even If You Are Scared S#!tlessGet 30% off and free postage use the discount code: medicalwww.getauctionready.com.au Useful ResourcesElephant In The Room Property Podcastwww.theelephantintheroom.com.auElephant In the Room Podcast Auction Episode with Damian Cooleyhttps://www.theelephantintheroom.com.au/podcasts/2Home Buyer Academy - Home Buyers’ Coursewww.homebuyeracademy.com.au

Show Noteswww.medicalmoney.com/episode20Today’s GuestVeronica MorganVeronica is a buyers’ agent and property expert with over 20 years of industry experience. She’s a real estate media personality, the host of Location, Location, Location Australia on the Lifestyle Channel and also co-hosts the real estate podcast called Elephant In the Room.Veronica’s been Published in The Sydney Morning Herald, Your Investment Property and Australian Property InvestorOriginally a sales agent, Veronica became a buyer's agent after realising buyers were unrepresented and often at a significant disadvantage compared to sellers.In this Episode:What’s been happening during the Corona crisisThe Four Ps of Property PurchasePeople - your team & opposition Common problems with doctors at auctionPreparation & pressure testing your bidding frameworkEmailsupport@gooddeeds.com.auLinkedInhttps://www.linkedin.com/in/veronicakaymorgan/Good Deedswww.gooddeeds.com.auVeronica’s BookAuction Ready- How To Buy At Auction Even If You Are Scared S#!tlessGet 30% off and free postage use the discount code: medicalwww.getauctionready.com.au Useful ResourcesElephant In The Room Property Podcastwww.theelephantintheroom.com.auElephant In the Room Podcast Auction Episode with Damian Cooleyhttps://www.theelephantintheroom.com.au/podcasts/2Home Buyer Academy - Home Buyers’ Coursewww.homebuyeracademy.com.au

Show Noteswww.medicalmoney.com/episode19Today’s guest is Ilan Israelstam. In 2009, shortly after the global financial crisis, he co-founded BetaShares. In just 10 short years they have become one of Australia’s leading ETF managers with over $10 billion in funds under management.BetaShares’ goal is to provide intelligent investment solutions that help Australian Investors meet their financial objectives.In this interview we chat to Ilan about his background, dig deep into the world of popular and exotic ETFs and then get him to critique some listener ETF ideas. Topics Covered Emerging markets (IIND, ASIA, EMMG)Gold & Miners (QAU, MNRS)Ethical, Environmental, Social & Governance (ETHI, FAIR, GBND)Inverse & Short Funds (BEAR, BBOZ, BBUS)Hybrid Funds (HBRD)Long-dated Government Bonds (GGOV)Diversified FundsPassive vs Active InvestingFee StructuringETF Ideas (water, unethical, Oz Health, blockchain, cryptocurrency, FIRE, Russia,Creating an ETF PortfolioToday’s GuestIlan IsraelstamCo-Founder of BetaShares CapitalLinkedInhttps://www.linkedin.com/in/ilan-israelstam-6b4bbb/Useful LinksBetaShares Exchange Traded Fundswww.betashares.com.auBetaShares ETF 101 Coursehttps://www.betashares.com.au/education-investors/understanding-etfs/BetaShares Video Libraryhttps://www.betashares.com.au/education-investors/video-library/

Show Noteswww.medicalmoney.com/episode19Today’s guest is Ilan Israelstam. In 2009, shortly after the global financial crisis, he co-founded BetaShares. In just 10 short years they have become one of Australia’s leading ETF managers with over $10 billion in funds under management.BetaShares’ goal is to provide intelligent investment solutions that help Australian Investors meet their financial objectives.In this interview we chat to Ilan about his background, dig deep into the world of popular and exotic ETFs and then get him to critique some listener ETF ideas. Topics Covered Ilan’s backgroundThe ETF revolution ETFs & pricingCreating a new ETFA200Popular ETFs (NDQ, ATEC, HACK)Today’s GuestIlan IsraelstamCo-Founder of BetaShares CapitalLinkedInhttps://www.linkedin.com/in/ilan-israelstam-6b4bbb/Useful LinksBetaShares Exchange Traded Fundswww.betashares.com.auBetaShares ETF 101 Coursehttps://www.betashares.com.au/education-investors/understanding-etfs/BetaShares Video Libraryhttps://www.betashares.com.au/education-investors/video-library/

Show Noteswww.medicalmoney.com/episode18Topics covered:ETFsVASMarket makersThe Fund vs ETF price discrepancyShould I buy the fund or ETF?New productsFactor exposureESGManager Select SeriesPersonal Investor- Funds, ETFs & Direct Shares Active Managed Funds & ETFsListener QuestionsFeesAustralian DomicileAustralian ESG ETFOverseas InvestorsIndexing & Price DiscoveryToday's GuestBalaji GopalHead of Product Strategy at Vanguard AustraliaLinkedInhttps://www.linkedin.com/in/balajigopalUseful LinksVanguard Australiahttps://www.vanguardinvestments.com.auVanguard Personal Investorhttps://www.vanguard.com.au/personal/homeInvestor Resourceshttps://www.vanguardinvestments.com.au/retail/ret/investor-resources/learning/education.jspTools & Calculatorshttps://www.vanguardinvestments.com.au/retail/ret/investor-resources/learning/calculators.jsp

Show Noteswww.medicalmoney.com/episode18Topics covered:Vanguard’s Four Investing PrinciplesPopular ProductsIndex FundsOpen & Closed-Ended FundsRetail & Wholesale Funds Investing & RedemptionsSwitching Funds & CGTToday's GuestBalaji GopalHead of Product Strategy at Vanguard AustraliaLinkedInhttps://www.linkedin.com/in/balajigopalUseful LinksVanguard Australiahttps://www.vanguardinvestments.com.auVanguard Personal Investorhttps://www.vanguard.com.au/personal/homeInvestor Resourceshttps://www.vanguardinvestments.com.au/retail/ret/investor-resources/learning/education.jspTools & Calculatorshttps://www.vanguardinvestments.com.au/retail/ret/investor-resources/learning/calculators.jsp

Show NotesDownload the PDF to follow the episode examples here:www.medicalmoney.com/episode17Topics CoveredDividendsFranking CreditsForeign DividendsDRPs, Bonus Share Plans and DSSPsListener QuestionsUseful LinksFranking Credit 45 day holding rulehttps://www.ato.gov.au/Forms/You-and-your-shares-2019/?page=10Foreign Investment Offset Limit https://www.ato.gov.au/Individuals/Tax-return/2018/In-detail/Publications/Guide-to-foreign-income-tax-offset-rules-2018/?page=3#Calculating_your_offset_limithttps://www.ato.gov.au/uploadedFiles/Content/IND/Downloads/Foreign-Income.pdfATO LICs Bonus Share Planshttps://assets.afi.com.au/documents/132138DSSP_Tax_Ruling-4.pdfAFIC DSSP https://www.afi.com.au/shareholdersWhitefield bonus share plan https://www.whitefield.com.au/shareholder-info/bonus-share-planToday’s GuestConaill Keniry ContactWhat If Advicewww.whatifadvice.com.auEmail:ckeniry@whatifadvice.com.au YouTubehttps://www.youtube.com/whatifadviceLinkedInhttps://www.linkedin.com/in/conaill-keniry-b8022a14/

Show Noteswww.medicalmoney.com/episode16Get your free 7 day trial of Gurufocus here www.medicalmoney.com/guruToday my guest is Charlie Tian. Charlie is author of the book Invest Like a Guru. One of my favourite investing books.Heavily invested in high flying technology stocks, he got absolutely pummelled in the dot com crash of 2000. As he picked up the pieces of his broken portfolio and analysed his errors, he discovered value investing.In 2004 he created Gurufocus where he began tracking and sharing the portfolios of some of the world’s greatest investors. Since then he has moved to provide an in-depth analysis of company financials and some amazing stock screeners.In today’s interview, we will discuss value investing, Charlie’s journey, his book and how he identifies and invests only in good companies.Today's GuestCharlie TianBookInvest Like A GuruYouTubehttps://www.youtube.com/user/GuruFocusVideosFacebookhttps://www.facebook.com/GuruFocusLLCInstagramhttps://www.instagram.com/gurufocusTwitterhttps://twitter.com/gurufocus

Show Noteswww.medicalmoney.com/episode16Get your free 7 day trial of Gurufocus here www.medicalmoney.com/guruToday my guest is Charlie Tian. Charlie is author of the book Invest Like a Guru. One of my favourite investing books.Heavily invested in high flying technology stocks, he got absolutely pummelled in the dot com crash of 2000. As he picked up the pieces of his broken portfolio and analysed his errors, he discovered value investing..In 2004 he created Gurufocus where he began tracking and sharing the portfolios of some of the world’s greatest investors. Since then he has moved to provide an in-depth analysis of company financials and some amazing stock screeners.In today’s interview, we will discuss value investing, Charlie’s journey, his book and how he identifies and invests only in good companies.Today's GuestCharlie TianBookInvest Like A GuruYouTubehttps://www.youtube.com/user/GuruFocusVideosFacebookhttps://www.facebook.com/GuruFocusLLCInstagramhttps://www.instagram.com/gurufocusTwitterhttps://twitter.com/gurufocus

Show NotesDownload the PDF to follow the examples discussedwww.medicalmoney.com/episode15Tax Zones (2:15)Capital Gains Tax

Today was my first day back at work since the operating restrictions have been reduced. I’m so glad to be back doing what I love- looking after patients and hanging out with my theatre teams.So what does that mean for the podcast?Firstly I want to say a big thank you to all my listeners. I won’t be putting out 4 episodes a week as I have been for the past 3 weeks but you can expect even higher quality content in the future.Because of your support I’m now able to invite higher profile guests. I never thought that my little podcast made on a set of gaming headphones and edited on Garageband would reach so many people. We are about to hit 10,000 downloads. Those of you who have emailed me, liked and commented on my Facebook posts and shared episodes with your friends have really kept me pushing ahead and creating the content I hope you find useful.My goal for this podcast has always been to educate and empower doctors to make better financial decisions. I have my financial planning diploma, but I’m no expert, and neither am I financially free. What I am doing is learning from experts and sharing that knowledge with you. You can think of me like a senior med student who understands the system, they can’t actually treat patients, but they know where to look for help.The upcoming episodes will build on the “5 Pillars of Personal Finance” that I covered in episode 10. It’s my holistic approach to money.The 5 pillars has 2 defensive and 3 offensive moves.We covered the defensive moves with wills in episode 13 and personal insurance in episodes 14a and b.Now we can focus on the offensive moves- income, investments and independence or financial freedom.So get ready to dig deep into shares, real estate, venture capital and other cool stuff.I’m waiting for my first hater but I know that if I stay true to my goal of helping you guys stay ahead in the money game, I’ll be able to sleep well at night.Between episodes you can check out the blog at medicalmoney.com where you will find the show notes and some of my random thoughts.As you all know I’m a Swiftie so I’ll finish with a quote from Taylor herself“No matter what happens in life, be good to people. Being good to people is a wonderful legacy to leave behind”Thanks again. Stay safe and send me an email if you’d like to connect.

Show NotesObtaining an Insurance Policy (0:38)Policy Ownership Structuring (8:34)Application Process (10:30)Exclusions & Loading (12:15)Paying Policy Premiums (15:10)Making A Claim (17:40) Company Consolidation (22:28)COVID-19 (24:30)Income Protection Changes 2021 (27:43)Today’s GuestSacha LoutkovskySenior Advisor & Insurance Specialist Profile Financial Serviceswww.profileservices.com.auEmailsacha.loutkovsky@profileservices.com.auLinkedInwww.linkedin.com/in/sachaloutkovsky

Show NotesWhat is Insurance? (1:28)Life (4:20)Needlestick (8:10)Income Protection (10:30)Stepped vs Level Premiums (16:18)Income Protection Policy changes 2020/2021 (19:08) Trauma (28:38)Total & Permanent Disability (36:36)Today’s GuestSacha LoutkovskySenior Advisor & Insurance Specialist Profile Financial Serviceswww.profileservices.com.auEmailsacha.loutkovsky@profileservices.com.auLinkedInwww.linkedin.com/in/sachaloutkovsky

Show Notes Wills (2.28)Testamentary Trusts (11:39)Powers Of Attorney (25:43)Advanced Care Directives (32.23)Today’s GuestTim Donlan, LLBContact TimDonlan Lawyerswww.donlanlawyers.comEmailtim@donlanlawyers.comPhone+61 (8) 8344 6422

Show Notes Today’s GuestJoshua BeckerWebsitehttps://www.becomingminimalist.com/over a million subscribersApp Clutterfree App available on Apple and Googlewww.clutterfree.comYouTubehttps://www.youtube.com/channel/UCBMKymQczkDxCpE1R2vvA4QBooksThe Minimalist Home 2018The More of Less 2016Clutterfreee with Kids 2014Simplify 2014CharityThe Hope Effectwww.hopeeffect.comWhere you help give orphans a homeMagazinesSimplify Magazinesimplifymagazine.com$6 per edition or $20 for lifeSimplify Moneyhttps://simple.money/$6 per edition or $35 for lifeCourseUncluttered12-week course that helps people own less, live more, and discover the life you wantruns 3 times a year and registration for the May course opens on April 24https://my.becomingminimalist.com/

Remember to Subscribe and Share with your Colleagueswww.medicalmoney.comShow NotesToday’s GuestPeter ThornhillPeter’s Journey (2:55)Peter’s Principles & Strategy (6:45) Investing in the Corona Crisis (39.33)Listener Questions (50:32)Websitewww.motivatedmoney.comBookMotivated Money5th Edition 2015___________SharesightPortfolio management made simple. Try Sharesight for free and say goodbye to spreadsheets.www.medicalmoney.com/sharesight

Show NotesDownload the Flowchart www.medicalmoney.com/pillarsI want you to visualise these 5 I's as the pillars holding up your personal finance Parthenon.The pillars are:Income (2:26)Investments (4:17)Insurance (2:26)Independence (8:40)Inheritance (13:30)If you invest in shares, then you really need to try Sharesight. Manage 10 holdings for free or get 2 months free if you signup for a paid account. I’m on the Investor level plan. Click this link to get your special offer:http://www.medicalmoney.com/sharesight Say goodbye to spreadsheets forever.