Dev Raga Personal Finance

In this episode Dev explains the concept of right sizing, including: 👉🏾 methods of rightsizing👉🏿 the steps involved👉🏻 the pros and cons📝 Episode transcripts We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Hosted on Acast. See acast.com/privacy for more information.

In this episode Dev explains the concept of downsizing as it relates to businesses and companies, touching on:👉🏻 examples👉 reasons for downsizing👉🏼 types of mergers and acquisition👉🏽 pros & cons👉🏾 and downsizing strategies📝 Episode transcripts We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Hosted on Acast. See acast.com/privacy for more information.

In this episode Dev chats with Dr Nicole Higgins, President of the Royal Australian College of General Practitioners (RACGP). They touch on:👉🏾 a bit about Dr Higgins and what the RACGP does👉🏻 general practice as a speciality👉 workforce challenges👉🏼 rebates and bulk billing👉🏿 the cost of health care👉🏽 capitation, and more!We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Hosted on Acast. See acast.com/privacy for more information.

In today’s episode Dev explains his concept of income per unit time and income per unit effort, touching on:👉🏾 what is income per unit time👉🏿 why is IPUT (income per unit time) important👉🏻 businesses vs revenue per unit sales👉 what is income per unit effort👉🏼 pros and cons of both concepts📝 Episode transcripts We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Hosted on Acast. See acast.com/privacy for more information.

In today’s episode Dev discusses credit ratings and credit agencies, covering the following topics:👉🏾 what is a rating?👉🏿 the big 3👉🏻 ratings agencies and history👉 Fitch vs Moody vs SP Global👉🏼 the role of credit rating agencies👉🏽 benefits vs problems👉🏾 what happened in 2008 vs rating agencies👉🏿 factors affecting credit ratings📝 Episode transcripts We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Hosted on Acast. See acast.com/privacy for more information.

In today's episode we're going over the basics of bonds! Dev unpacks:👉🏼 what is a bond?👉🏽 terminology👉🏾 bond ratings and callability👉🏿 risks👉🏻 corporate bonds👉 bond ETFs👉🏼 debentures vs bonds👉🏽 fixed vs floating rate bondsRelated episodes 🎧202 bond yields, inflation + interest rates053 what are bonds? Are they good? 214 what is the bid-ask spread?317 what is an inverted yield curve?080 asset allocation strategies and rebalancing📝 Episode transcripts We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Hosted on Acast. See acast.com/privacy for more information.

Dr. Tony Chen, travel philosophy advocate and founder of the Facebook group Frequent Flying Doctors, shares his unique travel philosophy, hacks for saving money on flights and hotels, resources for point hacking, and his best hotel experience. He also discusses the age old debate of private vs public education. Tony shares strategies for hotel room upgrades and perks, explores different luxury hotel brands and experiences, and reflects on the significance of money in life.

Dr Tony Chen, a radiologist, discusses his journey to becoming a radiologist, the career prospects in radiology, his childhood experience as a first-generation immigrant, his investing philosophy, and why he doesn't invest in superannuation. Stay tuned for part 2 where his travel tips and hacks will be discussed.

In today's episode Dev explains the Dunning-Kruger effect and how it can affect your investing or career, plus how you can avoid it.📝 Episode transcriptsWe hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Hosted on Acast. See acast.com/privacy for more information.

In today's Q&A Dev discusses: 👉🏻 how to teach money skills to your kids👉 what is a defined benefit scheme within super👉🏾 and what is income protection insurance📝 Episode transcriptsWe hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Hosted on Acast. See acast.com/privacy for more information.