Podcast appearances and mentions of ray jaramis

Brought to you by Zurich and Onepath - two brands with one vision. Multiple award winning adviser, head of advice at Pivot Wealth, and cofounder of XY Adviser, Ray decided to complete an applied psychology degree once he had already begun his financial planning career. Ray Jaramis XY: https://www1.xyadviser.com/members/2204279 Pivot Wealth Website: https://pivotwealth.com.au/ General Disclaimer – https://www.xyadviser.com/disclaimer/ New XY platform now available: App Store: http://co.xyadviser.com/xyistore Google Play: http://co.xyadviser.com/xygplay Desktop: https://www.xyadviser.com/ Get CPD points for the XY Podcast here at Caddie https://thinkcaddie.com/ 20% off for XY+ members https://www.xyadviser.com/plus

This week, Marcus sits down with Ray Jaramis, award winner and financial adviser extraordinaire. Ray guides us through the world of parental help. How parents can give their kids a head-start in the property market, where they could get unstuck, and tips and tricks to make it a smooth transaction for everyone involved. HERE’S WHAT YOU’LL LEARN FROM TODAY’S EPISODE:   How parents are helping more and more with their childrens’ property purchases; Price to income in Sydney on the world scale; How Ray became interested in financial advice; Why accountability for personal finance is important; Gifting funds to your kids; Testing out monthly repayments prior to purchase; How a parent to child loan could work as well; Thinking about longer term and family commitments rather than the immediate future; How a gift is treated by Centrelink for the age pension; What happens if your kids split up; And Why professional advice is important   LINKS OR ARTICLES WE MENTIONED:   XY Adviser Treysta Wealth     SPEAKERS IN TODAY’S EPISODE Marcus Roberts - Mortgage Broker Ray Jaramis - @rjfinlife   ASK US ANYTHING!   Have a money question you want us to answer? ask@sydneypropertyinsider.com.au   FOLLOW US: Facebook   ENJOY THE SHOW? Don’t miss an episode, subscribe viaiTunes. If you like it, please leave a review! Or, find us on the podcast app of your choice, such as Spotify

Check it out on Itunes | StitcherIn this episode of Get to the Contest Small Business Podcast, we try to answer if money can buy happiness. We are glad to have Ray Jaramis back and trust us when we say that this is an episode you shouldn’t miss. Here are the key learnings from this episode:1. Buy yourself experiences.Have a happiness budget. Identify what makes you happy, what you're indifferent about, or what you're negative about as part of your monthly expenditures, or your annual expenditures. Then go and make a conscious decision about where your money goes. To add, budgeting is not about missing out. Deliberate choices around your spending mean that you can actually spend where you're going to get the most benefit. 2. Buy yourself time. Personally and professionally, value your time. It's our only non-renewable resource. Only do what you love and is of high value. Identify what's of low value or you hate, and eliminate or delegate it. When you this, you're going to be happier at work and you're more energized. With all these changes, your business is actually going to perform better. If you can really live true to that, you will be a mile in front. 3. Spend money on others. Most of the time spending money on projects, charities or people you are passionate about, is the best thing you could do with your money. Have a purpose and ask yourself: “what do you stand for?” That could be investing money back into the local football club, the local charity, whatever it is that floats your boat and makes you feel important, do that.The science is very clear, it is going to deliver far more happiness than just frittering away money for something that you perhaps don't have a passion about or don't believe in. Similarly with your team, invest in them. Understand what they are passionate about and support them.

Check it out on Itunes | StitcherOur guest for today is Ray Jaramis (@RJFinLife), a renowned financial manager with Treysta FinLife, an advisory business, and the co-founder of XY Adviser. He is an award winning financial planner and he helps people to have a good relationship with money. We talked about the importance of learning and the current generation’s financial challenges. Should you lend money to your children? Are you doing them a favor or setting them up for disaster? We answer all that and more here in this episode of “Get to the Contest”!Get to the Contest Takeaways!Ignore the “barbecue talk”It is important to recognise the value of a good advice and a great adviser. Often, the barbecue talk we have with friends are distractions and disasters waiting to happen. Seek advice from people you look up to, who are expert in their own field and most especially, someone you trust. Make it a goal to learn every day, and that you surround yourself with people smarter and more experienced than you are. Keep learning because when you stop, you’ll soon be overtaken and irrelevant.Do the right thing by your children.You love your children and you want the best for them. Of course. But are you sure you are doing the right thing when it comes to loaning them money? There are a few simple questions to reflect on before imparting them with the responsibility of a loan. Are they responsible enough? Can you, as the lender, afford it? Can the current circumstances of your children enable them to afford to pay the loan? These are just a few questions you must be able to answer before taking this big step. If you skip all the questions, you might be doing your children more harm than good.Protect yourself.With every financial decision in your career and life, you have to take the extra mile in making sure you are protecting yourself. Make sure all transactions are transparent and that there is a process in all that you do. Leave a paper trail and seek advice from the experts when you do a big financial decision.Ray Jaramis’s Get to the Contest:"I think I'm just conscious of not going with the herd, so to speak. Often, I think it can be valuable if you take a step back from what you're doing in your daily life, and maybe just challenge yourself on what your career path is.The critical points in my career have been when I've taken a step back, and had a bit of a think about what I'd ideally like with my work, and where I'd like to see that headed in the future.

Interviews by Ray Jaramis and Phil Thompson Did you know you can offer financial advice for $30? NOD has facilitated over 2000 consumers questions to advisers with an average turn around time of 24 hours. Nod's mission is to create a platform where everyone on the planet can get on-demand access to help with financial decisions and questions about money from a network of trusted financial experts. NODs target market are young people – generally those under 35 – who do not currently have a financial adviser but are making big money decisions around things like buying a car or house, getting married, starting a family, or launching a business. Getting advice about money is as simple as: 1) Ask a question. 2) Pick an adviser. 3) Get a great answer. Founder Joel Robbie is interviewed this week to talk all things start up about how the platform came into being. Join us again next week. XY Live Episode 41 - Lessons learned from starting a financial blog and tips for setting one up on XY Adviser Facebook Live!

Interviews by Ray Jaramis and Clayton Daniel The fact that Big Data is changing everything is no new headline. But how will it affect the advice industry and what will it do for your service offering? Technology plays a huge part in this from SoA generation, to client engagement and budgeting tools. Julian Plummer from Midwinter is going to talk us through the basics of Big Data but more importantly, give us insight into how data led decisions will become the new norm for financial advisers.

We are doing it again on XYLive! Forum Chat with Phil Thompson, Adrian Patty and Ray Jaramis of XY Adviser with the special participation of Amanda Pond, Dylan Martin and Ronald Pratap to join us as we discuss how you started your business. Through this forum, our many diverse communities will have the opportunity to share their unique perspective and be heard, as well as to learn about one another. This session will be great for tips on what not to do when starting a practice and has worked!

Interviews by Ray Jaramis and Phil Thompson For this XY Live episode, we have Sharon McClafferty discussing the truth bombs from a morning she had with Simon Sinek. As we all know he has a wildly popular TED talk and more recently a not to be missed clip regarding millennials in the workplace.

Interviews by Ray Jaramis and Phil Thompson We have founder of Implemented Portfolios Santi Burridge joining us for XYLive to answer this question and chat about the simple mistakes to avoid and how you can truly create an advice proposition where everyone wins.