Money Over 50

021 Why 99% of people shouldn't have SMSFs

For all listener questions/feedback, please contact the team at podcast@mo50.com.au
Michael Hogue and Dallas Davison discuss reasons as to why owning a Self Managed Super Fund becomes a burden with increased complexity and mention some of the costs that are involved in owning one. 

020 Travel in 70s with Maria Pandalai

For all listener questions/feedback, please contact the team at podcast@mo50.com.au
Michael Hogue invites Maria Pandalai from Travel Managers in to speak about traveling in your 70s. Maria, a professional in her industry, discusses the best locations to travel in this age bracket, the things people tend to not think about when planning a holiday, and how custom-made packages may be the best option for you.Resources:
Maria Pandalai:   https://www.travelmanagers.com.au/ptm/MariaPandalai/     pandalai@travelmanagers.com.au
Michael Hogue:  michael@lighthouseadvisers.com.au

019 Travel in 60s with Maria Pandalai

For all listener questions/feedback, please contact the team at podcast@mo50.com.au
Michael Hogue invites Maria Pandalai from Travel Managers in to speak about traveling in your 60s. Maria, a professional in her industry, discusses the best locations to travel in this age bracket, the things people tend to not think about when planning a holiday, and how custom-made packages may be the best option for you.
Resources:
Maria Pandalai:   https://www.travelmanagers.com.au/ptm/MariaPandalai/     pandalai@travelmanagers.com.au
Michael Hogue:  michael@lighthouseadvisers.com.au

018 Travel in 50s with Maria Pandalai

For all listener questions/feedback, please contact the team at podcast@mo50.com.au
Michael Hogue invites Maria Pandalai from Travel Managers in to speak about traveling in your 50s. Maria, a professional in her industry, discusses the best locations to travel in this age bracket, the things people tend to not think about when planning a holiday, and how custom-made packages may be the best option for you.
Resources:
Maria Pandalai:   https://www.travelmanagers.com.au/ptm/MariaPandalai/     maria.pandalai@travelmanagers.com.au
Michael Hogue:  michael@lighthouseadvisers.com.au

017 Career Change Later in Life with Cathy Boyce

For all listener questions/feedback, please contact the team at podcast@mo50.com.au
Michael Hogue sits down with Cathy Boyce to discuss Cathy’s story.   Cathy and her husband David are clients of Michael’s.   Cathy talks about how she resigned from a regular paycheque and changed career later in life, starting not one, but two businesses: Silver Fluoride CPD and Townsville Orofacial Myology “TOfM”.   Cathy speaks about the benefits of the career change including: greater flexibility; the ability to be able to pick-up, put-down work; and the increased satisfaction she receives from being able to help others through these new directions.   Michael talks about the challenge that a career change creates to someone’s retirement (financial) plans, but how this can be overcome through a process of trade-offs designed to achieve the ‘balance of life’.  Finally, Cathy shares her plans to start a podcast (Beyond Brushing) aimed at increasing the awareness amongst consumers of overall oral health wellness.   
Resources: 
Silver Fluoride: www.armer.com.au and Facebook Black.diamonds.rock
TofM website :  www.townsvilleofm.com.au
Cathy’s Podcast:  Beyond Brushing: Optimal Oral Health Outcomes
Michael Hogue:  michael@lighthouseadvisers.com.au

016 Financial stress VS Financial problems

For all listener questions/feedback, please contact the team at podcast@mo50.com.au
You may ask “What is the difference between Financial Stress and Financial Problems?”   Dallas explains what the differences are and what you can do to overcome these.  

015 Different ways to draw an income in retirement

For all listener questions/feedback, please contact the team at podcast@mo50.com.au
Perhaps the biggest question to be answered as you head into retirement is “How do I draw enough income in my retirement without ever running out of money?”.    Dallas and Michael discuss the various ways in which retirees can draw a consistent income during a likely 30-year retirement timeframe, along with the trade-offs that can be made, and the rules-of-thumb that work best to avoid running out of money early.  

014 Should you have a budget?

For all listener questions/feedback, please contact the team at podcast@mo50.com.au
Dallas Davison and Michael Hogue discuss how to have a budget that works for you.  In particular, we look at: Whether to use a DETAILED budget or a GOALS based budget; how to automate your budget; the benefits of using pay cycle transfers.