Finance Hour On J-air

Ever wondered about how businesses attract customers in the on-line world? Mystified by  SEO, Facebook, LinkedIn, Twitter, Pay per click? Then today’s show is a must-hear.  My guest is Joel Gerschman, managing director of the Change Coach. Joel cuts through the noise and guides his clients in harnessing digital marketing to attract potential customers. The result? A reliable funnel of new prospects eager to buy your product or services. So whether you’re contemplating a digital marketing strategy or you are a consumer wanting to get insight into the strategies companies use to attract your business, you are certain to benefit from listening to this week’s show. “If you are willing to be innovative and forward thinking as a business owner, there is always opportunity for growth” – Joel Gerschman  “On-line marketing can enable you to get ahead despite some of the complexities and challenges of the current market.” – Joel Gerschman “Despite the amount of material out there on the web, personal financial adv

Episode 30– Who moved my cheese? Is Bill Shorten’s announcement about getting rid of franking credit refunds akin to a cat moving a mouse’s cheese? Is it necessary to repair the budget repair or thievery from retirees and self-managed superannuation funds? In this week’s episode we go straight to the top to get the answers.  I interview John Maroney who is the CEO of the Self-Managed Superannuation Fund Association, which represents both Advisers and Trustees of SMSFs. So whether you will be directly affected by Labor’s proposed changes, or just want some insight into the political process, you are certain to benefit from listening to this week’s show. “There could be several adverse economic impacts if this policy is implemented.” – John Maroney  “Franking credit refunds have been part of the tax framework for 18 years and a lot of people have made their long term investment plans around that system” – John Maroney  The median income that a member of an SMSF is drawing is  around $50,000 and the franki

Thought there was no link between physical and financial fitness? Well think again!  My guest this week is Fred Liberatore, who is a master coach, personal trainer, former amateur body builder and owner of Realfit Gym – a boutique gym and personal training studio with two locations in Melbourne I talk to Fred about the surprising impact that a physical training program can have on financial decision making and overall wellbeing.  We also talk about Fred’s journey in starting and managing his business, which includes many lessons for all small business owners. In this episode I also introduce a brand new segment called “Reuben’s Rant” where I give my personal take on happenings in the world of business and finance. So whether you are in small business or contemplating a physical fitness regime, you are certain to benefit from listening to this week’s show. “You need to be uncomfortable in order to be successful” - Fred Liberatore  “Jumping into a business and buying into businesses is no easy feat. You ne

Conflict in the workplace is inevitable. No matter how perfect a workplace may look from the outside, conflict is bound to happen one way or another. In this episode you’ll learn how to handle the inevitable complexities of workplace relationships and appreciate the importance of engaging in difficult conversations. Tony and Zandy Fell of the Zalt Group specialise in helping businesses resolve internal conflicts among staff. And when things are beyond repair, they assist in managing the fallout to  minimise the long term damage to the business Today they share with us some real-life stories of conflict and help us better understand the blurred lines between our  business and personal lives. We also hear their take on high profile cases in the media around workplace relationships and alleged inappropriate behaviors.   “You need to be flexible in your approach, your approach is not the only way to do things.” - Tony Fell   “Conflicts are more positive than people think.” - Zandy Fell “Effective workplace

Are you happy with the returns of your share and property investments over the last few years? Optimistic that things will continue?  Or are you worried about an impending bear market (where shares and property prices start to fall and pessimism persists). On this episode, Tim Farrelly, principal at Farrelly’s Investment Strategy  provided us with some insights about what you can control and when you should be scared of the big bad bear. I also spoke to Sean Herman, a Mortgage Broker from Professional Partners who provides insights into the bank’s attitude towards the property market. “It is definitely a time  to absolutely be focused on the long term.”   Tim Farrelly   “We should always be prepared for a downturn of the order of 10%, 15%, 20%, or even 25%”   Tim Farrelly   Today on the  Finance Hour Podcast: What causes a bear market and why they are inevitable? The two situations which precipitate a big market fall. The impact of tax cuts in the company’s profits. The “chicken and egg” effect of wag

Episode 26 - Remembering Lawrence Shamrakov This episode is dedicated to my dear friend and business partner, Lawrence Shamrakov who passed away tragically as a result of a bike accident two years ago (20 January 2016).  Lawrence’s cousin Gary Voskoboynik joins me today to speak a few people who were close to Lawrence and share their stories to give you an idea what kind of an amazing person he was. This is also for his daughter Maya who will one day listen to this tribute episode when she is old enough. The guests on this week’s episode are: Gary Gorov - Lawrence’s cousin Mikel Guyetsky – friend and work colleague Inge deKoster – client of Lawrence in his role as financial planner at Adapt.   “He was like my little brother, he was a few years younger than me. Everything I did he wanted to do as well” - Gary Voskoboynik “We were more than family, we were more than friends. Our bond ran deeper than any. No-one really understands what we meant to each-other” – Gary Gorov “He was such a special person t

Ever wonder how Uber (valued at roughly $50 billion!) and other private companies rapidly scale its business operation without ever going public and listing on the stock market?  In this episode you’ll learn how private equity enables companies to exponentially scale their businesses and tap new markets.  Simon Feiglin is a Managing Partner and Fund Manager at The Riverside Company. The Riverside Company is a global private equity firm focused on making control and non-control investments in growing businesses valued at up to $400 million. Since its founding in 1988, Riverside has invested in more than 490 transactions and the firm's international portfolio includes more than 80 companies.  “If you have good management and a little bit of risk appetite, you'll be successful” - Simon Feiglin  “If you want to scale, you’re gonna need other people in the business so you need to make sure you got the right foundation to support that” - Simon Feiglin  Today on the  Finance Hour Podcast:  What is Private Equity

Ever wondered if it’s worth setting aside budget for marketing in your small business today? In this episode you’ll learn why there’s no better time to start marketing than now. Timbo Reid who runs the #1 podcast marketing show called Small business, Big marketing shares his tips on how to make your business stand up from other businesses. He also shares his thoughts on how business owners can dedicate the right amount of time in a focused way without getting sidetracked to get the most Return On Investment (ROI) out of content marketing. “Never Stop Learning. Keep your mind open and keep learning” - Timbo Reid “Marketing is everything, everything is marketing.” - Timbo Reid Today on the  Finance Hour Podcast: How to use Google as a free marketing tool. Listen as Timbo Reid debunks small businesses’ marketing myths! Learn the importance of leveraging content marketing for businesses! Timbo Reid’s top three tips that every business owner should know! And don’t forget to listen all the way to the end for o

Ever thought that financial advice is just for the wealthy? Well think again. Technology is making the first steps on the path to financial success easier than ever. In this episode of the Finance Hour, we have an in-depth discussion with Paul Feeney of Mapymplan an on-line program allowing people to set-up a simple, actionable financial strategies without the jargon. We discuss Why financial advice is more than just managed funds and insurance policies. Paul's journey from the finance industry, travelling the world to a start-up financial technology business. How an on-line tool such as mapmyplan can be a great stepping stone to getting advice from a real life, human financial planner! And don't forget to listen all the way until the end for Paul's three top financial tips. Thanks for tuning in!  Thanks for joining us on today’s episode of the The Finance Hour podcast! If you enjoyed today’s episode, please head over to iTunes and leave us a rate and review to help us reach even more listeners. Don’t for

This week’ episode is about investing in small and medium size companies. I have a great discussion with Callum Burns who manages the SGH Hiscock ICE fund, Tune in to learn Why investors should diversify away from the big bank and resources stocks despite their high level of franked dividends. Examples of smaller companies which have a competitive edge or a ‘moat’ around their business model. Why you want to invest in a company which an idiot can run (because you can be certain that this will occur one day). Callum’s three tips for making smart investment decisions. And don’t forget to listen all the way to the end for my Propeller Head of the week where  I outline a critical issue for you to be aware of when transferring money between superannuation funds If you are enjoying the Finance Hour, please leave us a review on ITunes. For previous episodes go to our  website  See omnystudio.com/listener for privacy information.

A black swan event is a metaphor that describes an event that comes as a surprise, has a major effect, and is often inappropriately rationalized after the fact with the benefit of hindsight. In this week's episode we discuss. Whether one can ever predict a black swan event? Was the 1987 sharemarket crash a black swan event? What about the GFC? How can investors safegaurd their portfolio in the face of uncertainty? Our interview guest Tim Farrelly has some strong views which are well worth listening to. If you are enjoying the Finance Hour, please leave us a review on Itunes. For previous episodes go to our  website  See omnystudio.com/listener for privacy information.

In this week's edition of the Finance Hour I interview Chris Cuffe who is the head of Australian Philanthropic Services and a previous CEO of Colonial First State. Chris has been able to combine his business and philanthropic work in a way that very few people can. In this episode you will learn about The genesis of the managed funds industry (as we know it) in Australia. How Chris motivated his staff whilst navigating a number of ownership changes at Colonial First State. Why Chris ultimately left the corporate world to pursue his philanthropic interests The role of private and public ancillary funds play in helping donors make an impact with their giving. How the Third Link Growth Fund has provided great returns for investors and generated millions of dollars of donations for charities And be sure to listed to the end for Chris's top 3 tips on managing your career. If you are enjoying the Finance Hour, please leave us a review on Itunes. For previous episodes go to our  website     See omnystudio.com/

This is a must listen episode if you aspire to or run a small or medium sized business and want to learn how to use technology accelerate your business growth without adding the costs (or headache). I interview Stewart Bell of Audere Coaching and Consulting  who is passionate about helping business owner use technology do things better, easier and faster. The result? Maximise your profits and free your time to do what is most important. In this episode you will learn: Stuart's path to business coaching (hint. he comes from a long line of business owners) How the 4 hour work week by Tim Ferriss inspired Stuart to leave his corporate job. Key learnings from a recent trip to Silicon Valley. Whether technology widens or narrows the gap between big and small businesses. Stuart's views on remote staff and outsourcing. Stuart's top 3 technology apps to make your life a whole lot easier! And don't forget to listet all the way to the end for my Propellorhead of the week where I discuss the value of automatic insuran

In this podcast, I interview Doron Paluch of Burgess Paluch Legal Recruitment. Listen in to discover How Doron transitioned from a career as a Lawyer to recruiting. Starting from scratch in London. The move from being an employee to starting a business with his partner, Paul Burgess. How the job market has changes in Doron's 20 years in recruitment and what lies ahead. Make sure you listen all the way to the end for a special section called "liar liar pants on fire" and in my propellorhead of the week, I discuss kids banking accounts. Leave your feedback by email advice@adaptwealth.com.au or on our Facebook page  See omnystudio.com/listener for privacy information.

In this week's episode I am joined by Michael Chew of Orange Wealth and we explore the emerging financial technology (fintech) sector which (at least on the surface) is making it easier and cheaper to manage our finances. We ask the hard questions about these developments. Are they simplfying our financial lives? Do they help us make better financial decisions? Tune in to get the low down on Progress in internet banking apps. Demystifying Block Chain. Peer to peer lending (Society One). How Paypal has changed our lives forever. Acorns micro-investing. Pocketbook cashflow management. Your feedback is always welcome on the Adapt Wealth facebook page or by emailing advice@adaptwealth.com.au. Reuben Zelwer   See omnystudio.com/listener for privacy information.

In our second episode broadcast from the new swanky  J-Air studio at Balaclava junction: Craig Bigelow makes a come back to tell us about he managed (or mismanaged) his money on his recent European trip with his partner, Carly. Safe to say they left alot of unhappy waiters. Reuben discusses his "cashless" New Zealand ski trip and the mistakes he made taking money from an ATM in Thailand. The feature interview with Aharaon Adelist of OnYa points tells you everything you need to know about the frequent flyer points world including; which credit cards to use, tips on how to get the flights you want (hint: plan early) and how to get the best value when using them. Your feedback always welcome at reubenz@adaptwealth.com.au  See omnystudio.com/listener for privacy information.

The Finance Hour is back after a 4 week break as the J-Air studio was relocated to the heart of Caulfield! In this week's episode Reuben gives his take on the scandals at Commonwealth Bank. We discuss the challenges iof investing in an environment  low interest rates and volatile sharemarkets. Reuben talks to Jon Reilly of Implemented Portfolios about their process of forecasting investment returns and building investment portfolios. We discuss the impact of Trump's twittering obsession on investment markets.  In 'propellor head of the week' Reuben gives some strong views about the insurance sold by banks when you take out a mortgage.  We welcome your feedback at reubenz@adaptwealth.com.au, or on the Adapt Wealth facebook page. See omnystudio.com/listener for privacy information.

This is the second episode in our series "Keep it simple stupid". Today we interview Stephen Jewell of Australian Money Market which is a leading Australain term deposit broker. In this episode you will learn: What is behind Australia’s love affair with term deposits? Are all bank and credit unions created the same? What is the correlation between term deposits and sharemarket volatility? How to maximise returns on term deposits without drowning in paperwork Why 6 and 12 month term deposits the most popular time frame. See omnystudio.com/listener for privacy information.

In this episode we discuss the benefits of clear and simple investment strategies. Our focus is on Exchanged Traded Funds (ETFs) which have risen in popularity over the last several years and offer investors a low cost and transparent way to access sharemarket returns. Our guest today is Damon Gosen, Vice President Business Development at Van Eck asset managers whic is one of the leading global providers of Exchange Traded Funds. And don't forget our Propellorhead of the which explains how to turn your small shareholdings into a tax deductible donation. See omnystudio.com/listener for privacy information.

With the arrival of the bank super tax and peaking of the property market, what can investors expect from bank shares going forward? In this episode Reuben talks banks with two investment experts, Tim Farrelly and Roger Mongomery. Essential listening if you are a bank investor, depositor or borrower (and who isn't!) See omnystudio.com/listener for privacy information.