The Money Puzzle

Property investors and home buyers take a second look! Villa units - the humble single storey dwellings to be found in every metropolitan suburb are being reassessed by a new generation. They may not be fashionable - but they are going to be hot property. In today's show we cover: * Reassessing the villa unit * Why insurance inflation is crunching the housing market* Where is the government's shared equity scheme?* The $99,000 Melbourne apartment (not for everyone)  Sarah Petty, property reporter at the Herald Sun joins wealth editor James Kirby in this episode.See omnystudio.com/listener for privacy information.

It’s the single most common question among Australian investors and the answer is different for everyone. But there are firm principles you can follow and simple formulas that will at least give you a very good sense of how your super is shaping up. In today's episode we cover:   * Why you need to be sceptical of ‘super calculators’ * How you - or your partner - could live to be 100 * Don’t underestimate the role of the government aged pension * Why the amount you spend per year is the number you need to know Ashley Owen of OwenAnalytics joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

How much is property costing you? Home loan borrowers are extending their mortgages to keep costs down: Investors are absorbing higher running charges with an eye on the long term prize of capital gain. This week we take a close look at refinancing and how to make it work  In today’s show we cover  *  How to speak the language of property finance (and score a better deal) *. Does downsizing actually save money?* Forecasts for the year ahead * Extending the mortgage - pros and cons  Stuart Wemyss of ProSolution Private Clients joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The share market is heading for another strong year, but the short sellers are working hard to pull down some champion stocks on the ASX: Blue chip CBA and IPO darling Guzman Y Gomez are among the targets.What does it mean for investors?  In this episode, we cover: Short order - Why do traders believe top stocks are heading for a fall? The tricky business of small-cap stock selection What happened to luxury goods seller Cettire? Stock splits - Why they push up the share price  Dean Fergie of Cyan Investment Management joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

You may think you are ready to join the property market but do you have your squad of professionals in place? And have you considered the humble villa unit?  In today's episode we cover:  * A buyer's advocate tips for the first -time buyer * Villa units - Are they the most undervalued properties in Australia?  *  Land tax - Getting to know state-based land tax regimes  *  Have we reached peak mortgage broker?  Jarrod McCabe of the Wakelin Property Advisory group joins wealth editor James Kirby in this episode  Cliona O'Dowd's piece on superannuation can be found here.See omnystudio.com/listener for privacy information.

Tycoons win and lose on the sharemarket just like the rest of us: This week Peter Cooper had a win with Guzman Y Gomez but then 'Hungry Jack' Cowin has watched his Domino's Pizza shares drop by a third so far in 2024. What can we learn from tycoon stock-picking? In today's episode we cover  * The stocks that paid off big time for Rich 250 players * Terrible tycoon stock picks of 2024 (so far) * The Australian who has $900m worth of Nvidia stock  * How stock splits work  John Stensholt editor of The Rich 250 joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

As NSW follows Victoria with fresh moves to raise more money from Land Tax: Investors need to review their options and look at the different settings around the nation.In today's show, we cover... Land tax -The states squeeze the lemon - what can you do? Interest-only loans as a way to better manage debt  Buying a house with mates - what you need to know  If your home is your main workplace - are trips to work tax deductible? Kitty Parker of Kitty and Miles Buyers Agency joins wealth editor James Kirby in this episode  See omnystudio.com/listener for privacy information.

Most of us invest to make money for better times. But what about needing money for when things go very wrong. Today's guest was a patent lawyer when her family was hit with a major health trauma. The experience triggered a career change into becoming a financial adviser. In today's show we cover:  Emergency money - Why you must have a plan Understanding the insurance inside your super  Should you bother with income protection insurance? The pro-bono financial advice network  Nicola Beswick of FMD Financial joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The soon-to-be-biggest city in Australia is among the cheapest! It is also the weakest in terms of price gains this year...so what should an investor do? In today's show we cover ... Is Melbourne now the bargain of the decade? Interrogating the 'units will rebound' theory  Will immigration cuts weaken the property market? The first steps in developing a property? Financial adviser Bruce Brammall joins wealth editor James Kirby in this episodeSee omnystudio.com/listener for privacy information.

Ever been to a BBQ where someone told you about a unique tax strategy and you're left wondering why your accountant never mentioned this before? It might be claiming a luxury car as a tax deduction or becoming a tax resident of a tax haven like Vanuatu to avoid paying income tax. We sit down with an accountant to run through a range of "is this possible" scenarios from claiming travel costs on investment properties to determining whether you can claim pet food as a tax deduction for your dog if they can double as a guard dog. We get to the bottom of many interesting tax myths and either debunk them or confirm their legitimacy. In this episode we cover: Someone told me I could claim this on tax, can I? End of financial year tax tips How to pick an accountant that's right for you Located on Sydney's Central Coast, accountant Timothy Ricardo joins Wealth contributor James Gerrard of FinancialAdvisor.com.au See omnystudio.com/listener for privacy information.