The Finance Bible

Ever dreamt of owning a home but felt overwhelmed by the convoluted home loan process? Let Oscar and Zeke, be your beacon in this financial fog. We shed light on the quintessential steps, starting with the key to unlocking your dream home - a stellar credit score. Discover practical tips on maintaining good financial habits like setting up automatic payments, paying more than the minimum amount, using credit savvy tools to keep an eye on your credit score, and intelligently managing credit cards. We even suggest a visit to a mortgage broker for a soft credit check to explore your borrowing options.
Down the rabbit hole of home loans, we discuss the practical nuts and bolts involved in securing a loan. Learn why scrimping and saving for a 10% down payment could be the difference between landing your dream home or losing it. We share insights into additional fees like stamp duty and lender's mortgage insurance that often catch unwary borrowers off guard. With us at your side, you’ll learn the ropes of navigating these financial waters and understand why getting pre-approved for a loan could be your golden ticket in today's cut-throat housing market. We round off this insightful session with a detailed breakdown of the documents needed to get your loan moving and the time it may take to gather them. Your dream home is just a podcast away. Tune in!
For any inquiries or to connect with Oscar, Zeke, or their company, Asset Road, listeners can visit the following links:

• Finance Bible Podcast Instagram
• Asset Road Instagram
• Asset Road Website

The advice shared on The Finance Bible is general in nature and does not consider your individual circumstances. The Finance Bible exists purely for educational / entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs.

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Ever wish you had more control over your super fund? Well, buckle up because we're about to show you how! Our lively chat this time revolves around the allure of self-managed super funds. Enhanced control, cost-effectiveness, and flexibility - these are just a few of the advantages that may be in store for you. We also get into the nitty-gritty of a fixed fee structure and why it may prove more favorable than traditional percentage-based fees, especially if you're playing with a larger balance.
Beyond the basics, we delve into the exciting world of diverse investment opportunities that a self-managed super fund has to offer. Be it direct property, individual shares, or more unconventional options like cryptocurrency and collectibles, we're leaving no stone unturned. For the enterprising business owners among you, we've got some intriguing insights on purchasing property for business purposes. And let's not forget about estate planning and administration simplicity that comes with such funds. Ending on a high note, we can't wait to see you in person soon for more electrifying financial discussions in Perth!
For any inquiries or to connect with Oscar, Zeke, or their company, Asset Road, listeners can visit the following links:

• Finance Bible Podcast Instagram
• Asset Road Instagram
• Asset Road Website

The advice shared on The Finance Bible is general in nature and does not consider your individual circumstances. The Finance Bible exists purely for educational / entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs.

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Feeling the pinch of the Reserve Bank of Australia's recent interest rate hike to a whopping 4.35%? Wondering how this surge will hit your wallet in terms of everyday spending, inflation, and fixed costs like rent? Join us as we delve into the nitty-gritty of this significant shift, examining the stark contrast in loan sizes and repayment amounts from a year ago compared to now. We will discuss the impact on households and contemplate whether this new norm is truly affordable, especially when so much of the income is siphoned off toward repaying a mortgage.
Ever wonder how podcast ratings and reviews can help you attract better guests and extend your reach? Let's unravel the secret together. In this episode, we also share insights on the art of podcasting, emphasizing the importance of ratings and reviews in attracting quality guests and broadening our broadcast radius. For those looking to bolster their podcasting knowledge or lend their support to our show, we'll also discuss ways you can chip in and help us grow. Plus, we'll reveal strategies to help spread the word about this episode to those who need it most, and share how to connect with us on Instagram. Your input can make a world of difference, so don't miss out on this opportunity to join us in this exciting journey!
For any inquiries or to connect with Oscar, Zeke, or their company, Asset Road, listeners can visit the following links:

• Finance Bible Podcast Instagram
• Asset Road Instagram
• Asset Road Website

The advice shared on The Finance Bible is general in nature and does not consider your individual circumstances. The Finance Bible exists purely for educational / entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs

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Ever wondered how to harness your team's superpowers for business success or the secret sauce to partnerships that flourish? That's what Zeke and I, Oscar, are unpacking in the latest Finance Bible Podcast episode. We're getting real about the nitty-gritty of recognising your crew's standout skills—because let's face it, not everyone's cut out to be a website whiz—and the savvy of strategic budgeting when you need to rope in some external expertise. Plus, we're stirring in a hefty dose of passion, showing you how it's not just a buzzword but a critical ingredient in turning what you love, like dog washing, into a profitable enterprise.
Then, join us as we recount the tales from Zeke's bedroom, the birthplace of our now-iconic company 'Asset Road'. We chuckle through the memory lane of names that nearly saw the light of day (close call with 'Kilimanjaro Finance', anyone?) and peel back the curtain on how a company name and logo can deeply influence your brand's first impression. As we navigated the legalities of setting up shop and crafted a brand identity that spoke volumes, we'll share the blueprint that every upstart business needs to etch in stone.
Closing the episode, we don't shy away from the reality of juggling your passion project with a nine-to-five. Zeke and I share our personal playbook for transitioning from side hustlers to full-time entrepreneurs without dropping the ball at our day jobs. We'll even touch on the extra gigs that can keep you afloat (looking at you, Uber Eats) and the art of conjuring content that truly connects. So pull up a chair and let's explore the entrepreneurial journey, where strategy meets authenticity and a pinch of creativity can lead to a feast of success.
For any enquiries or to connect with Oscar, Zeke, or their company, Asset Road, listeners can visit the following links:

• Finance Bible Podcast Instagram
• Asset Road Instagram
• Asset Road Website

The advice shared on The Finance Bible is general in nature and does not consider your individual circumstances. The Finance Bible exists purely for educational / entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs

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Unlock the secrets to shaving years off your mortgage and saving thousands in interest with us. Ever wondered how small adjustments can lead to big savings in your home loan? We promise you'll discover practical, actionable tips to manage your mortgage more effectively. From switching to fortnightly payments to harnessing unexpected windfalls like bonuses to reduce your principal, we guide you through strategies that empower you to build equity faster and edge closer to financial freedom.
Throughout our enlightening discussion, we unveil advanced tactics to accelerate your mortgage payoff. Learn how to utilise an offset account to slash interest charges or leverage your equity for a positively geared investment property that generates extra income to fast-track your mortgage reduction. We stress the importance of steering clear of lifestyle inflation with an income boost, suggesting channeling those additional funds into your mortgage instead. By automating a few additional payments each year, you can significantly trim down your loan term. Plus, discover why regularly reviewing your mortgage could unlock potential savings opportunities, keeping you on track to achieving the financial freedom you desire.

DISCLAIMER:

The information in this podcast is general in nature and does not constitute personal financial advice. It does not take into account your individual objectives, financial situation, or needs. Always consider whether the information is appropriate for you and seek advice from a qualified professional before making financial decisions.

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