Podcasts about afsl

If you want to wow your family with a fancy-looking Christmas feast while secretly spending way less, you need this episode. We called in our favourite bougie-on-a-budget queen, Chelsea Goodwin, to show us how to pull off a Christmas table that looks rich, festive and fabulous, while your actual grocery bill stays unbothered. Chelsea is dropping 17 genuinely clever hacks that will shrink your Christmas food spend. We’re talking the ingredient tricks that do double duty, the meats that seem fancy but aren’t, the sides that look like you catered, and the planning secrets that stop the Christmas Eve trolley panic. And yes, she brought her full under-$100 Christmas menu. It’s generous, it’s gorgeous, it’s chaos-proof and you’re absolutely allowed to steal it.In this ep:

My guest this week is Ian Keldoulis, co-author of Unblinded: The Startup That Launched a Revolution in Saving Sight. He wrote the book with Dr. David Guyer, chronicling the founding of Eyetech Pharmaceuticals in 2000. They developed Macugen, the first effective treatment for age-related macular degeneration (AMD), a disease that once blinded millions in their later years.Unblinded on AmazonUnblinded on Barnes & NobleUnblinded on the publisher's storefrontBlog post available at: https://www.sharesforbeginners.com/blog/ian-keldoulisWatch on YouTube right here.

A year after being thrown head first into financial litteracy and producing over 200 episodes of She’s On The Money, our behind the scenes queen Emma is here to share exactly how her finances and money mindset has changed. This is what happens when real life, rising costs, and a very loud financial education collide. A home that wasn’t meant to be forever suddenly holds the key to a much bigger plan. One tiny change inside her super she'd been putting off ends up doing far more than she expected. And the investing strategy she used to overthink becomes the thing that finally gives her financial clarity. Inside this ep:

You’re trying to save, plan, be responsible, do the grown-up things, but underneath it you’re tired in a way that a weekend off doesn’t quite fix. If that’s you, this week we’re talking about the moments where your financial goals start clashing with your wellbeing, and how to tell when you’re pushing yourself for a dream versus pushing yourself past your limits. Plus, what does progress look like when you’re burnt out, and how do you protect the version of you you’re building all this for? Then we're diving into leaving a job without burnining bridges... and still getting a good reference. Whether things are a bit tense or fully toxic, navigating an exit in a small industry is tricky at best. So we explore the smarter ways to manage references, timing, expectations, and how to leave a workplace with your dignity and your options intact.Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

You may not know it, but you’ve probably used a Ventia service today. Dean Banks, Managing Director and Group CEO, tells us how the essential infrastructure giant manages the assets that power daily life, like water, transport, and telecommunications. Dean explains the advantages of being a broad portfolio business across Australia and New Zealand, and how the company’s sheer size helps them gather the data to deliver cost savings for customers. Hear how Ventia hopes to get a bigger piece of the $100 billion energy opportunity, and new five-year contract awards in telecommunications. Dean reveals why in a volatile era, what he terms "boring reliability" is a big advantage, with a focus on keeping their 35,000 employees safe, and defending against cyber threats as a major government contractor. Plus, how Ventia's telecommunications expertise is being used in space, with telescopes in the deserts of Western Australia to take “pictures of the past". For more or to watch on YouTube—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

The ASX200 barely moved, up only five points, after September quarter GDP showed 0.4 % growth versus the expected 0.7 %. The modest rebound faded as investors eyed US data. November ADP jobs, industrial production and the Fed’s December dot plot. Plus, the RBA’s 2026 rate outlook. Energy and health lagged, while iron ore miners slipped on Vale’s demand downgrade. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Every December starts with good intentions and ends with the same sentence: how did I spend that much? Because Christmas has a way of turning even the most financially competent women into festive chaos elves… not because you’re “bad with money,” but because the whole season is engineered to hijack your brain. This week, Victoria unpacks the psychology behind Christmas overspending and the subtle mind games retailers play that make you feel generous when you’re actually being steered. This isn’t about being a Grinch. It’s about finally seeing the tricks for what they are, so you can have a Christmas that still feels magical, without the financial regret in January.In this ep:

Evgenia Goti, Global Head of Wealth Planning at EFG joins Moz to shed light on both the technical and human considerations of structuring family wealth across generations. As the great wealth transfer gathers pace, she explains how families can preserve cohesion and avoid common pitfalls while building legacies.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Evgenia Gotihttps://bit.ly/4pdITu9EFGAM:https://www.newcapital.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. This document is for general information only and is not intended as investment advice or any other specific recommendation as to any particular course of action or inaction. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document.Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.The availability of this document in any jurisdiction or country may be contrary to local law or regulation and persons who come into possession of this document should inform themselves of and observe any restrictions. This document may not be reproduced, disclosed or distributed (in whole or in part) to any other person without prior written permission from an authorised member of the EFG group.This document has been produced by EFG Asset Management (UK) Limited for use by the EFG group and the worldwide subsidiaries and affiliates within the EFG group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no.7389746. Registered address: EFG Asset Management (UK) Limited, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)207 491 9111.Independent Asset Managers: in case this document is provided to Independent Asset Managers (“IAMs“), it is strictly forbidden to be reproduced, disclosed or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By receiving this document IAMs confirm that they will need to make their own decisions/judgements about how to proceed and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients' circumstances with regard to any investment, legal, regulatory, tax or other consequences. No liability is accepted by EFG for any damages, losses or costs (whether direct, indirect or consequential) that may arise from any use of this document by the IAMs, their clients or any third parties.If you have received this document from any affiliate or branch referred to below, please note the following:Australia: This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389746 and with its registered office address at 116 Park Street, London W1K 6AP (telephone number +44 (0)207 491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.ASIC Class Order CO03/1099EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you.The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.Your Status as a Wholesale ClientIn order that we may provide financial services to you, and for us to comply with the Class Order, you must be a ‘wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in securities, arranging dealing in securities, managing securities and advising on securities. EFG Bank & Trust (Bahamas) Ltd. is also licensed by the Central Bank of The Bahamas pursuant to the Banks and Trust Companies Regulation Act, 2000 as a Bank and Trust company. Registered office: Goodman‘s Bay Corporate Centre West Bay Street and Sea View Drive, Nassau, The...

US stocks found their footing on Tuesday, lifted by a bitcoin rally after a sharp sell-off. Treasury markets also found firmer ground as traders evaluated the latest signals from the Federal Reserve. In company news, Boeing flew higher on stronger delivery plans, and MongoDB surged after raising its forecast. Gains were tempered, however, by weakness in paper and packaging companies, which weighed on the materials sector. In commodities, gold retreated on profit-taking, oil prices eased amid uncertainty over Russia-Ukraine peace talks, and iron ore advanced on Chinese infrastructure demand. Looking ahead, Aussie shares are poised to edge higher on Wednesday ahead of economic growth data. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Steve and Laura report a modest rise in the ASX200, buoyed by energy and mining gains, while other sectors lagged. US markets have been relatively weak, yet commodity prices pushed Australian shares higher, with oil and gold hitting fresh highs. Look out for tomorrow’s Australian Q3 growth figures and a big US earnings cycle that could test the rally. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Recent signs of labor market weakness should allow the Fed to cut again next week, explains Nicholas Fawcett, Senior Economist at the BlackRock Investment Institute. He unpacks what we're looking for in the official data set for release later this month. General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BIIM1125U/M-5026753

We’re at Rocklabs with Mike Christman, CEO of Scott Technology — the 112-year-old Kiwi engineering company that specialises in the design and manufacture of automated production and robotics. Mike explains how the company is transforming mining, protein processing, logistics, and appliance manufacturing by replacing manual tasks with AI-driven, automated systems. He shares why margins are improving, what’s behind the company’s “Destination 2030” plan,and why the biggest barrier to automation isn’t competitors — it’s customer mindset. Plus, Mike’s personal journey from London to New Zealand, and plans for the company to become far more visible to investors. For more or to watch on YouTube—check out http://linktr.ee/sharedlunch Recorded on 22nd October 2025 - All commentary reflects the timing of the original conversation. Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. See omnystudio.com/listener for privacy information.

Wall Street slipped overnight as rising bond yields and weakness in crypto-exposed stocks weighed on sentiment. US Treasuries also declined, with fresh corporate debt issuance adding pressure after Japan’s bond sell-off last week. Still, Black Friday and Cyber Monday sales helped lift major US retailers. Elsewhere, European markets kicked off December on the back foot, dragged lower by a slide in Airbus. In commodities, oil rose more than a dollar a barrel after OPEC’s latest move, while silver hit a record high as growing rate-cut expectations pressured the US dollar. Back home, Aussie shares are set to open higher, with Collins Foods earnings in focus. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

CBA's international economics team discuss their latest forecasts for the global economy and outlook for central bank interest rates.    Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

Join CBA's Agricultural Economist Dennis Voznesenski and Interest Rates Strategist Michael Tang as they chat all things commodities and finance.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.   

The ASX200 was down about 0.6% as US futures pointed to a softer start, with the Nasdaq futures dropping around 0.75% and the Dow about 0.5%. Energy shares were the only sector in the green, up roughly 0.5%, while health, financials, tech and real estate all fell. An ASX technical glitch halted 80 stocks, most notably Metcash, which slid 9.2%. Investors will watch the Wednesday update on three‑month Aussie growth, US jobs and inflation data, and the Fed decision due on 10‑11 December. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

TV2s dokumentar, »Hvem passer på grisene? Afsløring hos landbrugets top« blev et af de helt store samtaleemner i sidste uge. Dokumentaren viser blandt andet optagelser af fastklemte, dehydrerede og underernærede grise hos en af dansk landbrugs topaktører, nemlig på en svinefarm på Langeland hos Ulrik Bremholm, viceformand i Landbrug & Fødevarer, næstformand i Danish Crown og formand for Danske Slagterier. Billederne stammer fra aktivister, der på ulovlig vis er trængt ind på privat grund og har optaget i staldene. Flere politikere har også kommenteret på dokumentaren, blandt andre De Radikales landbrugsordfører Zenia Stampe, der på Facebook skriver, at hun vil kalde minister for fødevarer, landbrug og fiskeri, Jacob Jensen (V), i samråd. Den politiske leder for Alternativet, Franciska Rosenkilde vil "gøre op" med landbrugslobbyen. Men hvordan skal det opgør se ud? Gæst: Franciska Rosenkilde, politisk leder for Alternativet Værter: Anne Phillipsen og Nicolai DandanellSee omnystudio.com/listener for privacy information.

If you’ve ever looked at your payslip and thought “there’s no way I can build anything on this,” this diary is the proof you need. Our Money Diarist started on eight dollars an hour at Macca’s, saved like a girl with a plan, and built a foundation that most of us don’t hit until our thirties.... and she did it before she could legally rent a car. This episode is packed with the stuff that actually matters when you’re starting small. The tiny habits that added up to her first thirty thousand dollars. The mindset that kept her choosing long-term wins over short-term fun. The discipline she built on a low wage that turned out to be her biggest superpower once her income jumped. If you’ve been telling yourself you’ll start saving “when you earn more,” this diary will change your whole perspective, and maybe your next pay cycle too. If you want the motivation to start with what you’ve got, this diary will light that fire. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Kristina Clifton and Samara discuss the top influences effecting currency markets this week including an improving global economy, Australian GDP data, and Canadian labour market data.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.   

Wall Street edged higher on Friday as a CME outage disrupted global trading for several hours. The S&P 500 notched its biggest weekly advance since May while the Nasdaq broke its seven-month winning streak in November. Meanwhile, US government bond yields also lifted on expectations of heavy corporate debt issuance. In commodities, OPEC stuck with plans to halt production increases in the March quarter of 2026, and gold surged more than 5% over the month. Back home, Australia is set for a steady start to trade after its worst November since 2014, while home prices hit fresh record highs. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

This special episode was created for our First Nations community members. Victoria invited Leah Bennett from the First Nations Foundation on the show to talk through the realities, pressures and systems that shape money confidence for First Nations people today. Leah shares how history, culture and community responsibilities influence financial literacy, why trust in institutions can be hard to build, and the practical steps that can help you feel more in control. They also discuss superannuation, humbugging, accessing ID, and where to go for free and culturally safe support.Inside this episode:• The importance of culturally informed financial education• How history and systems impact money confidence today• Practical steps to start building financial security• What to know about super, beneficiaries and early access• Support available through financial counsellors and Indigenous banking teams• Understanding humbugging and setting boundaries that feel right for you FIrst Nations Foundation WebsiteFOLLOW: Leah Bennett on Instagram here. First Nations Foundation on Instagram here. Rich Blak Women om Instagram here. First Nations Foundation on Youtube here LINK: We have created a blog with links for resources, support and education here. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

It was a week full of surprises in Australia. The inaugural monthly CPI data came in stronger than expected for October. Business investment and construction work done blew away forecasts and suggest Q3 GDP will be strong. Trent Saunders and Belinda Allen unpack the data and contemplate what this means for the RBA.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

The ASX200 closed essentially flat, down only three points, after a volatile November that saw the index fall about three percent for the month but climb 2.4 percent this week, snapping a four‑week losing streak. Rate‑cut hopes were dented by hotter‑than‑expected inflation, while sector performance was mixed. Tech, finance and property fell, but healthcare, consumer staples and WiseTech rose. Upcoming drivers include the OPEC+ meeting, Black Friday sales and Australian economic data on building approvals and September‑quarter growth. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Ever seen a crypto bro promising this coin is going to be the next big thing and thought… okay but what if? Well this week we got a DM from someone whose partner has fallen for the hype hard. So we're taking a closer look at crypto is, what it isn’t, why it feels so convincing online, and how to tell the difference between investing and straight-up gambling. We're also answering what to do when you’ve paid off a loan and suddenly have an extra $1,000 a week. Save it? Invest it? Split it? We talk through the simple framework that helps you figure out what actually makes sense for your timeline and goals. Plus we've got all your fave money wins, broke tips and the usual Friday chaos.LAST DAYS: Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out here. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. See omnystudio.com/listener for privacy information.

ASX200 was flat after a 0.4% rise early, keeping a 2.3% weekly gain and ending a four week losing streak. Tech stocks outperformed, up about 2%, while energy fell 1.3% on oil price drops ahead of the OPEC meeting. With US markets closed for Thanksgiving, focus shifts to European cues and the upcoming Black Friday Cyber Monday retail surge. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

US financial markets are closed for the Thanksgiving holiday on Thursday, while European stocks are heading for a muted finish to November. Bitcoin topped 90,000 on shifting sentiment, and China’s ANTA Sports is reportedly weighing a potential bid for Puma. In commodities, gold slipped from two-week highs while iron ore inched higher on a softer US dollar. Back home, Aussie shares are expected to open lower, snapping a four-day winning streak. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Can spending money actually build your long-term wealth? Sharesies says yes. Scott Nixon, GM Sharesies Personal, and Ruth Riviere, Country Manager for Mastercard, are talking about Spend (AKA the Sharesies debit card) and the Investback reward system that earns 1% investments as you spend. Scott explains how day-to-day money management is a big part of wealth, how payments factor into Sharesies’ bigger vision, and Mastercard's role in creating network access. Why is NZ’s digital payments adoption lower than in Australia and Europe? Why is now such a crucial moment for new tech to challenge the country's consolidated retail banking environment? Plus, hear about anti-fraud innovations like tokenization, biometrics, and numberless cards. For more or to watch on YouTube—check out http://linktr.ee/sharedlunchShared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

My guest this week is Nathan Bartrop, a corporate governance and company secretary specialist with experience across ASX-listed, unlisted, and not-for-profit companies. We discussed his background in law, accounting, and ASX compliance, including his time as a listings advisor during the global financial crisis. Nathan now lectures on corporate governance and runs his consultancy, White Label Corporate, while serving as Principal Consultant at CSB Corporate Services.Blog post available at: https://www.sharesforbeginners.com/blog/nathan-bartropWatch on YouTube right here.

In this episode of the Mo Money podcast, we talk about the $600,000 cost of private schooling and how you can tackle this in a way that doesn't completely sabotage your financial future. So, we get into a bit of context around what's going on in the private school fees market in Australia, the private school fee inflation, which seems to be running quite a bit hotter than standard inflation. We get into the emotional versus the financial cost, and how to really quantify what it costs you, not just in terms of the fees today, but the impact on your money over the years ahead, as well as how you can make sure that if private schooling is something that is really important to you, you can do it in us in a way that's smart and doesn't completely sabotage your financial future.  We also talk about some of the bonds and tax hacks that you can use to make funding private education a little more comfortable for you as well. This episode is perfect for anyone that's got kids and thought about private school but wants to make sure that they're making the smart choice there.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

The latest change to US tariffs on Brazil are set to hit Australian beef demand. Australian harvest is 37% complete according to IKON Commodities, with more favourable harvesting weather scheduled for December. Russian crop estimates are on the rise and incomes on the decline for Russian farmers.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.   

Technology stocks continued to lift Wall Street, helping the market recover ground lost in last Thursday’s sell-off as falling bond yields supported sentiment. The Philadelphia Semiconductor Index jumped nearly 3%, while Dell Technologies rose 6% on strong data-centre demand. Elsewhere, Robinhood shares surged 10% on acquisition developments, whereas John Deere slipped on a grim agriculture outlook. Back home, futures point to gains ahead of today’s business investment data. Farewell, Tom! Your market insights and sharp sense of humour will be greatly missed. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

The ASX200 closed up about 0.7%, marking three consecutive days of gains and a weekly rise of roughly 2.2% after last week’s 2.5% slump. Hotter‑than‑expected inflation (headline 3.8%, core 3.3%) pushed RBA rate‑cut odds down to 24% for May. Materials, health and consumer stocks led the upswing while tech, telcos and utilities fell. Zip jumped 7% and DroneShield 8% after a European defence contract; Temple & Webster slumped 33% on a weak trading update. Looking ahead, US inflation, jobless claims and durable‑goods data, plus the RBNZ, UK budget and Beige Book, will shape market sentiment. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

You know when you’re standing in front of your overflowing wardrobe, absolutely drowning in clothes, and still somehow convincing yourself you have nothing to wear? Today’s guest knew that feeling all too well… until she decided she wasn’t buying a single new item of clothing for a whole year. Yes, Emma Edwards did the thing a lot of us love conceptually but would never have the courage, discipline, or emotional stability to actually commit to. Jess Ricci is self-admittedly in that group, so she decided to give Victoria the day off, and invite Emma into the studio to find out all about it. They dive into how what started as a “maybe this will calm my spending” experiment ended up rewiring Emma’s confidence, her habits, her body image, and the way she understood her own self-worth. Turns out the problem wasn’t the wardrobe… it was the stories she’d been telling herself every time she added something to her cart.Inside this ep:

Wall Street extended its rebound overnight as investors looked ahead to the Thanksgiving holiday and grew more confident in a December rate cut. US Treasury yields eased, with the 10-year slipping below 4% as Hassett emerged as the frontrunner for the Fed’s top job. In stocks, Nvidia fell as its rivalry with Google intensified, while Abercrombie's stock surged despite a general retail pullback. In commodities, oil declined as ongoing Ukraine–Russia talks raised expectations of improved supply. Back home, Aussie shares are expected to extend gains on Wednesday, with key inflation data and New Zealand’s rate decision in focus. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

The Aussie market caught its breath today after yesterday’s strong rebound. We traded in a tight range for most of the session and finished up a touch, enough to make it two days of gains. Miners did the heavy lifting, rising about 1.7% thanks to firmer iron ore and stronger gold prices, while financials slipped roughly 0.7%. Bendigo and Adelaide Bank tumbled more than 7% after flagging deficiencies in money-laundering risk systems while on the other hand, Webjet impressed with record results and lifted 9%. Tonight is packed with US economic data, and tomorrow’s local inflation numbers at 11:30 a.m. will be the major focus, with headline annual inflation expected to push towards 3.9%. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

In this week's episode, we discuss Michael Burry's return to the public eye after a 2 year hiatus, Berkshire Hathaway's huge investment in Google and more!Thanks to Seeking Alpha for sponsoring this episode! Start your 7 day free trial & get $30 OFF your first year: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://link.seekingalpha.com/2DC4DWS/4G6SHH/?creative_id=12⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Now available on YouTube, Apple Podcast, Spotify & most other platforms!Spotify:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/2caCydo...⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/au/podcast...⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠★ ★ OUR CHANNELS ★★Hamish:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/hamishhodder⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brandon:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCvSX...⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠★ ★ FOLLOW US ★ ★Instagram (Hamish) ► hamishhodderofficialInstagram (Brandon)► new.money.officialBrandon van der Kolk is authorised to provide general financial product advice in Australia and is an Authorised Representative⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#1305795⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ of Guideway Financial Services Pty Ltd, AFSL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#420367⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Any advice is general & does not consider your financial situation, needs or objectives so consider whether it's appropriate for you. Read Brandon's FSG available from guideway.com.au/NewMoney.pdf. Past performance is not a reliable indicator of future investment returns.

The ASX200 jumped 1.3% on Monday, snapping a week of declines and lifting the index to within 6.5% of its October record high. Tech and industrial stocks led the rise, while energy fell as oil slipped. Notable moves included Qube soaring 19.5% on a $11.6 bn Macquarie offer and DroneShield edging higher despite a steep MTD loss. Investors will watch Wednesday’s inflation print, the US Fed rate decision on 10 Dec, and a busy roster of AGMs later in the week. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Wall Street surged overnight as technology stocks powered higher and rate-cut optimism strengthened, with bond yields falling after dovish comments from Fed officials. Elsewhere, Broadcom joined Alphabet in leading the AI-driven rally, while Novo Nordisk slipped on disappointing Alzheimer’s trial results. Oil and gold rose as a weaker US dollar provided support. Back home, Aussie shares are set to extend gains on rising commodity prices. Meanwhile, Trump said he plans to visit China. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Our very first Investing Diary has landed, and she is the perfect reminder that investing is absolutely for women like us. Before she ever opened an app, she genuinely believed investing was a world reserved for men on Wall Street. Then lockdown hit, the algorithm gods did their thing, and suddenly she was seeing finance content from women who actually looked and sounded like her. One rabbit hole later… her entire money story flipped. What started as curiosity turned into a full investing era. She binged podcasts, graduated from micro investing, and built herself a portfolio with a set-and-forget energy. Then life did what life does. First home. Wedding. New job. So she stepped back from investing and honestly forgot about her portfolio altogether. Two years later she logs back in… and realises it has grown by $20,000 while she invested exactly nothing. Inside this ep, Victoria gets pervy about it all: the ETFs doing the heavy lifting, the direct shares she bought because she could see their value, and the “accidental strategy” that is actually outperforming her partners. This one is proof that you do not need to be a man in a suit on Wall Street to grow your money in the sharemarket. You just need to start. LEARN TO INVEST (& GET VICTORIA'S BUDGETING SYSTEM) FOR UP TO 30% IN OUR BUNDLE SALE. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

European equities had a flash of outperformance over the U.S. this year and we see bright spots, but the region needs structural reforms to outshine the U.S. Bruno Rovelli, Chief Investment Strategist for Italy at BlackRock, shares more.General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.

Gold took off this year, fuelled by inflation fears, geopolitical tension, and a wave of investor enthusiasm. Jacki Neumann recently spoke to Michelle Lopez from PIE funds and asked is it grounded in fundamentals and can it keep its safe-haven status through volatility? This bite is from our episode 'What's going on with the ASX?'For more or to watch on YouTube—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. PIE Funds Management Limited is the manager and issuer of the funds in the PIE Funds Management Scheme (the Schemes). The product disclosure statements for the Schemes are available at: www.piefunds.co.nz/investor-documents.See omnystudio.com/listener for privacy information.

US stocks staged a spirited recovery following Thursday’s drubbing, helped by comments from the New York Fed governor that signalled support for interest-rate cuts. Healthcare stocks led sector gains, with Eli Lilly up 1.6%, while Nvidia climbed on renewed optimism for its China sales outlook. In commodities, oil prices ended lower on Friday, settling at one-month lows. Back home, Aussie shares are expected to rebound on Monday from five-month lows. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Kristina Clifton and Carol Kong discuss the top influences on currency markets this week including Australia's October CPI, the Federal reserve's Beige book, the Reserve Bank of New Zealand's policy announcement and the UK Autumn Budget.  They also discuss the possibility of FX intervention in Japan. Disclaimer:  Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

If you’ve ever heard “managed portfolio” and thought… okay but what actually are they, this one’s for you. We break down what “managed” really means in practice, how they differ from your usual ETF mix, and the moments when outsourcing the mental load might make more sense than being your own fund manager. Then we get into a dilemma that had the whole office screaming: a partner who treats sales season like a competitive sport. The list is long, the logic is loose, and the budget is… trembling. We’re chatting values, boundaries, and how to keep your spending intentional when marketing is doing the absolute most. Plus your favourite money wins, broke tips, and a few chaotic detours along the way. Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out here. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. See omnystudio.com/listener for privacy information.

This episode of the Mo Money podcast is about the offset account trap and why banks want you to feel safe. So, we get into the most common mistakes that people make when it comes to their offset accounts, why an offset account feel safe and why that's a problem. We get into a few examples of the impact on your money, of saving money in an offset, versus some of the alternatives that you can do instead, and talk about when an offset makes sense and some of the psychology that sits around this. So, this episode is perfect for anyone that's got an offset and wants to make the most out of their money, or that's thinking about getting into the property market and saving at a decent rate today.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

We all want a bigger super balance… but how do you actually make that happen in real life? Part 1 in our Super Glow-Up series got your foundations sorted, but part 2 is all about small things you can do to turbocharge your growth. We’re talking simple, realistic changes that add up to massive long-term results, even when life is expensive and you’re just trying to get through the week.In this ep:

We’re cutting through the red tape with Jeremy Muir, Chair of BlockchainNZ and one of NZ’s leading legal experts on crypto regulation. In our third convo Jeremy walks us through where NZ is at with crypto taxes, rules and regulation, and where we might be going. For more or to watch on YouTube—check out http://linktr.ee/sharedlunchShared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Sharesies Crypto is only available in New Zealand and is offered by Sharesies Crypto Limited. Crypto is different to other types of investments and has different risks. Crypto is generally considered a high-risk investment, which means it carries potential for higher returns, but also carries higher potential for loss. It’s not suitable for everyone, especially if you’re uncomfortable with the potential of losing some or all of your investment. You should consider your financial goals, risk appetite, investment timeframe, and overall portfolio before investing in crypto. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

The reopening of the U.S. government will allow the release of backlogged economic data, especially jobs data, helping us take stock of our pro-risk view. Nicholas Fawcett, Chief Investment Strategist at the BlackRock Investment Institute, breaks down the implications. General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BIIM1125U/M-4994914

This is the update you’ve all been waiting for… and a year later, she’s back to tell us what really went down. Last time we spoke, the separation was still fresh. Now the divorce is almost final, and everything that happened in between is the stuff every woman should know long before she ever needs to. We’re talking expectations versus reality, the loopholes no one warns you about, and the parts of the process that only make sense once you’re living them. She also shares the lessons she wishes she’d known sooner, how she’s navigating the big conversations with her kids, and the mindset shift that changed everything.LISTEN: To her first ep with us here. SEE OUR BUNDLE SALE FOR UP TO 30%: Where you can get Victoria's budgeting system & learn to invest.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

You’re ready to start investing… and then someone suggests borrowing money to make your portfolio grow faster. It sounds genius in theory, but is it actually a smart move? This week we’re unpacking the financial advice one community member received about doing just that, and Victoria breaks down how these loans really work, why the maths can be seductive, and the little thing called a “margin call” that can throw your whole plan into chaos.Then we switch gears into Christmas gifting season, which is currently giving drama. Someone asked for a $300 birthday present. Gift cards are in their controversial era. And half of you are quietly switching to Secret Santa because December is expensive enough already. If you’re feeling gifting guilt creeping in, this chat will help you set boundaries without losing your festive cheer.Thanks to OnePass for sponsoring todays episode! Nab your discounted membership here.Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out here. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.*OnePass T&Cs, exclusions apply. Offer ends 11.59pm AEDT 01 December 2025, $40 per year thereafter unless cancelled, offer not available to current members. Savings calculated on average delivery fees for eligible items or orders below minimum spend thresholds across participating brands Kmart, Target, Officeworks, Priceline and Bunnings Warehouse. 365 day change of mind returns to the participating OnePass retailer purchased from, along with receipt, already offered to all customers at Bunnings Warehouse. You may have additional rights under the Australian Consumer Law. See each participating brands’ website for further details. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.