The Money Puzzle, with James Kirby The Australian

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 
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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 episode
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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 
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High risk, high return is the perception when it comes to property development. So, no wonder that only 2% of all property investors actually engage in property development activities. If you have ever thought about property development, this is the episode for you.

In this episode we cover:


How to get started in property development
Tips and tricks from an experienced property developer
Is there still money to be made in development?
Expected ROI and how to decide between cash vs debt funding

Property developer Daichi Somehara of buyers agency firm Property Buyer joins Wealth contributor James Gerrard of FinancialAdvisor.com.au
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The inbox at themoneypuzzle@theaustralian.com.au has been bursting at the seams - it's time to give listener questions the attention they deserve. 

In this show we cover: 


Is a stock split something to worry about?
Help! I should have put this investment inside super
Retirement calculators forget to tell you one thing
Dividend Reinvestment programs - how they work 

Financial adviser James Gerrard joins Wealth Editor James Kirby in this episode 
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Using super for any reason other than retirement savings used to be taboo: Not anymore, and not when the tax system is totally loaded in favour of the homeowner. The Coalition proposal to allow super for first home buyers is gaining attention, it's an idea that will be hard to resist.

James Gerrard of The Financial Adviser joins Wealth Editor James Kirby in this episode.

In this episode we cover:


Changing role of super in home buying 
Big risks with NDIS property schemes 
Why are some property owners quitting?
Value in the regions - Investors are going further from the cities 

Submit your questions on all things property, business and finance: themoneypuzzle@theaustralian.com.au

Read more from James Kirby on The Australian
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