Welcome back to Talking Returns.

This week, we tackle some pretty interesting stuff - including handy resources spoken about in the episode.

Finfluencers are under the microscope. ASIC are cracking down on influencers who produce and publish finance and investment style content. They are called 'Finfluencers'. We talk about the red flags to look out for when it comes to content in the finance world, and what you should be aware of when consuming this content.

Handy Resources:

ASIC Financial Advisor Register (Australian Securities and Investments Commission) - Find an authorised, registered and relevant financial advisor on ASIC's register, check they have qualifications and appropriate employment history to service you.

https://www.asic.gov.au/regulatory-resources/financial-services/financial-advice/financial-advisers-register/

ASIC Banned and Disqualified Register: Make sure your advisor is not banned or disqualified: https://www.asic.gov.au/online-services/search-asic-registers/banned-and-disqualified-registers/

FAAA Find a Planner (Financial Advice Association Australia): Find a Certified Financial Planner who is qualified to service you and can support your needs. https://faaa.au/find-a-planner

Our brand new segment 'Diaries from the Bottom Line' tackles the issue of confidence and how it can be shaken by the instability happening in the world.

'Dear Raymond' returns - this week Rob is keen to have those first important conversations about money with their partner, ahead of moving in together. Ray encourages a sit down at the kitchen bench, to get on the same page. What to do if you feel you need extra support in facilitating those conversations.

Money Smart Resources:

How to do a budget: https://moneysmart.gov.au/budgeting/how-to-do-a-budget

Budget planner tool: https://moneysmart.gov.au/budgeting/budget-planner

Simple Money Manager tool: https://moneysmart.gov.au/budgeting/simple-money-manager

The Important Disclaimer: Talking Returns is a podcast and is general information only. It does not constitute professional advice, and you should not make any financial decisions based on our conversations here. The important thing to remember is your financial journey is personal, and it’s essential you seek professional guidance from your own licensed advisor before taking any action. A licensed advisor will be able to provide you with specific guidance and by doing so, you will have access to a range of consumer protections including advice from someone who has the proper educational qualifications, someone who is operating with ethical standards, as well as formal complaints resolution benefits.

Welcome back to Talking Returns.

Today, we bring you our first segment of ‘Dear Raymond’ (a chance to hear from you around what you’re pondering in the realm of money matters). Excitingly, we hear from real life human Sophie - Sophie is keen to start investing but wants to understand where to start - from ETF's to apps... we talk about what to consider before you begin your investing journey. Topics covered:

• What is an ETF (not to be mistaken for EFTpos)
• Why have a contingency fund?
• Why do whitegoods seem to die all at the same time?
• Investment markets - a bit about how they work.
• The questions to ask yourself or be asked by your licensed/qualified advisor before you make decisions.
• Scam risks.
• When to get professional advice, what a positive professional advisor/client relationship feels like, and how to find a qualified advisor.

'What in the World' - the current geo-political climate has brought plenty of uncertainty, we talk about the impacts that uncertainty brings the world financially. And we acknowledge how thankful we are to be safe and able to have these conversations, given there are people, communities, countries at war and living in conflict.

EVs - the economics of the electric vehicle movement. Fuel prices spiked due to the Iran war, government's are considering whether or not to continue to incentivising people to get into electric vehicles... we uncover how supply and demand will impact the future of EVs.

Get in touch - we would love to hear from you, to hear what you're pondering, experiencing - we'd love to hear from you! hello@talkingreturns.com

Many Happy Returns!

The Disclaimer: this podcast is information only. It does not constitute professional advice, and you should not make any financial decisions based on our conversations here. The important thing to remember is your financial journey is personal, and it’s essential you seek professional guidance from your own licensed advisor before taking any action. A licensed advisor will be able to provide you with specific guidance and by doing so, you will have access to a range of consumer protections including advice from someone who has the proper educational qualifications, someone who is operating with ethical standards, as well as formal complaints resolution benefits.

Welcome to Episode 1 on Talking Returns.

On this ep:

Meet Anna and Ray.

What's this podcast about? You'll get to know more about the podcast itself - it's a place to come and chat about what’s happening in the world around us, and how it impacts our financial existence. Somewhere to learn more about topics that could ordinarily feel daunting or dull - economics, finance etc.

Why the disclaimers? You'll hear them commonly on this podcast, and no doubt in other pods playing in the finance space - but why are they important? We bring you the non-boring break down!

Some cracking segments to look forward to, including:

'What in the world?' where we take the temp on the world climate and how it impacts life, and how we live it. ‘Dear Raymond’ is a chance to hear from you around what you’re pondering in the realm of money matters. 'Points of Interest' tackles interest rates and others points of interest - ha! 'Griffinomics' is economics under the lens of daily life... and 'Diaries from the Bottom Line' where we talk about issues impacting small to medium business (large biz also welcome, you big show off!).

Get in touch - We'd love to hear from you, around what you’re pondering, particularly when it comes to money, your experiences in business, how you're tracking along right now when it comes to your finances or investments… The world is in a pretty wild state, so it can be good to connect at times of uncertainty. Whilst we don't give advice (and legally we're not allowed to) we can certainly talk on topics you want to hear more about. Get in touch! hello@talkingreturns.com

We'd also love your feedback on the podcast. What works, what could we do differently. All constructive feedback welcome. hello@talkingreturns.com

Catch you next time, on Talking Returns.

Our Disclaimer: this podcast is information only. It does not constitute professional advice, and you should not make any financial decisions based on our conversations here. The important thing to remember is your financial journey is personal, and it’s essential you seek professional guidance from your own licensed advisor before taking any action. A licensed advisor will be able to provide you with specific guidance and by doing so, you will have access to a range of consumer protections including advice from someone who has the proper educational qualifications, someone who is operating with ethical standards, as well as formal complaints resolution benefits.