Fine Answers

First Home Buyer Tips, Refinancing & Interest Rates | Fine Answers Podcast Episode 162

In this episode of the Fine Answers Podcast, Ben is joined by mortgage broker Dylan O'Leary from Aussie Wide to discuss the current lending and property landscape, from rising interest rates to first-home buyer opportunities and refinancing strategies. Key takeaways: • How first-home buyers can enter the market with a 5% deposit • The difference between fixed and variable interest rates • Why cash flow matters more than borrowing capacity • How family guarantees can help buyers get started sooner • The importance of reviewing your home loan regularly • Why property should be viewed as a long-term strategy Whether you're buying your first home, refinancing, or considering an investment property, this episode offers practical insights to help you make informed financial decisions. If you'd like to get in touch with us: Facebook: https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp] Instagram: https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp] TikTok: https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp] Spotify: https://open.spotify.com/show/5k17gfi [https://open.spotify.com/show/5k17gfi] If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au [admin@bbfp.com.au], visit our website at https://www.bbfp.com.au [https://www.bbfp.com.au] or book a 15min call to see how we can help you via https://outlook.office365.com/book/BB [https://outlook.office365.com/book/BB]... Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Aged Care Fees, Small Business Cash Flow & Market Volatility | Fine Answers Podcast Episode 161

Aged care confusion. Cash flow stress. Market volatility. Small business overwhelm. In this week's roundtable, the team breaks down the biggest financial conversations clients are having right now and why more Australians are realising they need a trusted "financial committee" around them. 🎙️ In this episode: • The biggest misconceptions around aged care costs • Why families often feel rushed into poor financial decisions • The growing number of 35 to 45 year olds seeking financial advice • Cash flow challenges for small business owners • Why your accountant, broker and adviser should actually work together • How to think about volatile markets without panicking • The danger of "tidying things up" before getting advice One of the biggest takeaways? You don't need to have everything sorted before speaking to a financial adviser. Often, the earlier the conversation happens, the better the outcome. If you've been feeling overwhelmed by financial decisions, this episode is packed with practical insights and real world examples to help you focus on what actually matters. If you'd like to get in touch with us: Facebook: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbldlSFFWX1NFcFl0OXAwNnhHeXNXRDMxMFFfZ3xBQ3Jtc0trSTRkQ0lYQnFDN0tZTG1oaWNTTXRDSDc3UVY1TlJqQi1jeE5WVHBoZG9iQ0NiLWV1WE4wMjZ0bW1VeERkZ0Z2T09IQ0Y4SHd6WXdUVFhwdG82c05HamxLczllUVhvNXJwR2pBRk1zR1NMbXpubF9sVQ&q=https%3A%2F%2Fwww.facebook.com%2Fburkebrittonfp&v=RJsl_vWfop0] Instagram: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbko5QW9jWnI2aUllQ0JVOC1CczlMZTY5WFA1QXxBQ3Jtc0tsMXFFb09Zc0duaGpLalNhOHZsdVU2NjJtVnBySDg0bS1HZnlHaWQ5S21nN2NUM1NrdDd5TVNpbVZJdXBVd0pHcjdSLTdiTE5ieTNJUEhFZ05jeWVMek5wVUJUa3gwbXJyeEpwMF9lRjF6SXBiM1liQQ&q=https%3A%2F%2Fwww.instagram.com%2Fburkebrittonfp&v=RJsl_vWfop0] TikTok: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGNtaFdpdWtZT1BCLWVYS2JtTjloaW81RF95d3xBQ3Jtc0ttOUlldWotbmZvUHNhMndxNGlGT1NxV1E3TEprZklxQlNpZWQ5VlQxN0pXX3BCT3FTMmRncm9IOGVBbndmYnJpbDR5VllzbWtSeWZzR3BUb3JPZGlrNll4dUlBN2RKak1xTkwwTFNDQ1A1ZDBjMVpvVQ&q=https%3A%2F%2Fwww.tiktok.com%2F%40burkebrittonfp&v=RJsl_vWfop0] Spotify: https://open.spotify.com/show/5k17gfi... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbDFJWmVoTHMtVHVqYVpPTmhZRTdLZWpQakdQQXxBQ3Jtc0tuS2xtZWQ0VjdZV0lqeWtwbi1VbXpyRmt3YklwRzlkRnJrNTEtMlpEUF9mWXQwdWdaVUd5ODVVV2VLTUN4TDZWV2pMMTRQSXdtMXpUWVp2RkdjemRLUXU4NUNPWDlZUmlGY2hsbHN0eTJUQXI2Ymo1aw&q=https%3A%2F%2Fopen.spotify.com%2Fshow%2F5k17gfi5Kw10osJmeONLoU%3Fsi%3Dcf8cd688f0bd4d6c&v=RJsl_vWfop0] If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au [admin@bbfp.com.au], visit our website at https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqazlSUzhfQ0Q3LXdXRklpZ2JpV1NzWS1FT3JRUXxBQ3Jtc0trNzU2NThZRllWLXJoYm1wMW5EcDV4NVRJTjNMS24zSkdkQ0NhNUFvbEpwcjJxUU84cmJielZXRTlVekRfMmkxVExPQW9jZXZWWnF3M3JDdnk0ZGFNakIxRHprdFM4dUthcjdEcnQ2dkRIdF9CMUl2VQ&q=https%3A%2F%2Fwww.bbfp.com.au%2F&v=RJsl_vWfop0 [https://www.bbfp.com.au] or book a 15min call to see how we can help you via https://outlook.office365.com/book/BB... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUNkSy1zT1FubTlBTnl5X1pQRmdveTkxWHFZd3xBQ3Jtc0ttc3p5YjNvLVc0LU93ZkUzYVV1NU0tSy1OQ05IaVJuQ0VHbDEwNDNKV0EwOUVhMExsbk1mX19BWm05UDBFYXpXUndLWTA3OXpMdmRkOU1kSjNVblBxcmZRQjRqMUNZTXV0cUhURkVrNUQ1eWIwNlhkZw&q=https%3A%2F%2Foutlook.office365.com%2Fbook%2FBBFP%40bbfp.com.au%2Fs%2FMch8gUZK6U2W9Lmg86-jmg2%3Fismsaljsauthenabled%3Dtrue&v=RJsl_vWfop0] Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Cash Flow Secrets Every Business Owner Must Know w. Ryan Gollan | Fine Answers Podcast | Episode 160

In this episode of the Fine Answers Podcast, Jay Burke sits down with Ryan Gollan, Founder & Director of CFM Bookkeeping, to break down one of the most critical parts of running a business - cash flow management. Ryan shares his journey from studying commerce at Deakin University, working at Ernst & Young, and performing in Melbourne's music scene, through to building CFM after learning firsthand how quickly cash flow mistakes can derail a business. 💡 We cover: • Why most business owners struggle with cash flow • The biggest tax and spending mistake new businesses make • Why strong revenue doesn't always mean strong profit • Simple ways to understand your business numbers • Strategy vs financial reality in growing a business • Payday Super changes and what they mean for cash flow • How AI is changing bookkeeping (but not replacing it) 📊 Key takeaway: Cash flow clarity is the foundation of business success—without it, growth becomes risky and unpredictable. 📩 Connect with Ryan Gollan: LinkedIn: http://au.linkedin.com/in/rgollan [http://au.linkedin.com/in/rgollan] Website: https://www.cfmbookkeeping.com.au/about-bookkeeper/ [https://www.cfmbookkeeping.com.au/about-bookkeeper/] Facebook: https://www.facebook.com/CFMBookkeeping/ [https://www.facebook.com/CFMBookkeeping/] If you'd like to get in touch with us: Facebook: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbldlSFFWX1NFcFl0OXAwNnhHeXNXRDMxMFFfZ3xBQ3Jtc0trSTRkQ0lYQnFDN0tZTG1oaWNTTXRDSDc3UVY1TlJqQi1jeE5WVHBoZG9iQ0NiLWV1WE4wMjZ0bW1VeERkZ0Z2T09IQ0Y4SHd6WXdUVFhwdG82c05HamxLczllUVhvNXJwR2pBRk1zR1NMbXpubF9sVQ&q=https%3A%2F%2Fwww.facebook.com%2Fburkebrittonfp&v=RJsl_vWfop0] Instagram: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbko5QW9jWnI2aUllQ0JVOC1CczlMZTY5WFA1QXxBQ3Jtc0tsMXFFb09Zc0duaGpLalNhOHZsdVU2NjJtVnBySDg0bS1HZnlHaWQ5S21nN2NUM1NrdDd5TVNpbVZJdXBVd0pHcjdSLTdiTE5ieTNJUEhFZ05jeWVMek5wVUJUa3gwbXJyeEpwMF9lRjF6SXBiM1liQQ&q=https%3A%2F%2Fwww.instagram.com%2Fburkebrittonfp&v=RJsl_vWfop0] TikTok: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGNtaFdpdWtZT1BCLWVYS2JtTjloaW81RF95d3xBQ3Jtc0ttOUlldWotbmZvUHNhMndxNGlGT1NxV1E3TEprZklxQlNpZWQ5VlQxN0pXX3BCT3FTMmRncm9IOGVBbndmYnJpbDR5VllzbWtSeWZzR3BUb3JPZGlrNll4dUlBN2RKak1xTkwwTFNDQ1A1ZDBjMVpvVQ&q=https%3A%2F%2Fwww.tiktok.com%2F%40burkebrittonfp&v=RJsl_vWfop0] Spotify: https://open.spotify.com/show/5k17gfi... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbDFJWmVoTHMtVHVqYVpPTmhZRTdLZWpQakdQQXxBQ3Jtc0tuS2xtZWQ0VjdZV0lqeWtwbi1VbXpyRmt3YklwRzlkRnJrNTEtMlpEUF9mWXQwdWdaVUd5ODVVV2VLTUN4TDZWV2pMMTRQSXdtMXpUWVp2RkdjemRLUXU4NUNPWDlZUmlGY2hsbHN0eTJUQXI2Ymo1aw&q=https%3A%2F%2Fopen.spotify.com%2Fshow%2F5k17gfi5Kw10osJmeONLoU%3Fsi%3Dcf8cd688f0bd4d6c&v=RJsl_vWfop0] If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au [admin@bbfp.com.au], visit our website at https://www.bbfp.com.au [https://www.bbfp.com.au] or book a 15min call to see how we can help you via https://outlook.office365.com/book/BB... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUNkSy1zT1FubTlBTnl5X1pQRmdveTkxWHFZd3xBQ3Jtc0ttc3p5YjNvLVc0LU93ZkUzYVV1NU0tSy1OQ05IaVJuQ0VHbDEwNDNKV0EwOUVhMExsbk1mX19BWm05UDBFYXpXUndLWTA3OXpMdmRkOU1kSjNVblBxcmZRQjRqMUNZTXV0cUhURkVrNUQ1eWIwNlhkZw&q=https%3A%2F%2Foutlook.office365.com%2Fbook%2FBBFP%40bbfp.com.au%2Fs%2FMch8gUZK6U2W9Lmg86-jmg2%3Fismsaljsauthenabled%3Dtrue&v=RJsl_vWfop0] Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Aged Care Made Simple | Support at Home | Fine Answers Podcast | Episode 159

In this episode of the Fine Answers Podcast, Delta Smith is joined by Lacey McKenna and Edwina Hill from Right at Home Geelong to discuss Australia's aged care system and the new Support at Home program. They explain why the system feels complex, how My Aged Care assessments actually work, and what families need to understand when applying for support. The discussion also highlights how important it is to clearly describe care needs, especially during assessments, and why many people end up underestimating the level of help they qualify for. Lacey and Edwina also talk through funding changes, co-contributions, respite care, and how personalised in-home care plans are created to support independence at home for as long as possible. A practical conversation for anyone supporting ageing parents or trying to understand how aged care really works. If you'd like to get in touch with us: Facebook: https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp] Instagram: https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp] TikTok: https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp] Spotify: https://open.spotify.com/show/5k17gfi [https://open.spotify.com/show/5k17gfi].. If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au [admin@bbfp.com.au] , visit our website at https://www.bbfp.com.au [https://www.bbfp.com.au] or book a 15min call to see how we can help you via https://outlook.office365.com/book/BB [https://outlook.office365.com/book/BB] ... Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Market in Chaos? AI, Oil Inflation& What Investors Need to Know | Fine Answers Podcast | Episode 157

This week on the Fine Answers Podcast We are joined by Sam Crumpton from Shaw and Partners to unpack what is really driving markets right now. Markets feel like they are being pulled in every direction. One minute it is geopolitics and rising tensions in the Middle East. Next it is AI shaking up entire software companies. And underneath it all, energy and inflation continue to shape the bigger picture. In this episode we cut through the headlines and focus on what actually matters for investors right now, and where things could be heading from here. From oil and uranium to AI disruption and portfolio uncertainty, it is a fast moving environment, but there are still clear themes if you know where to look. Tune in for a grounded, real world conversation on the forces shaping markets right now. Connect with Sam and the team: Instagram: https://www.instagram.com/shawandpartners_ [https://www.instagram.com/shawandpartners_] Website: https://www.shawandpartners.com.au/home?utm_source=ig&utm_medium=social&utm_content=link_in_bio&fbclid=PAZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMjU2MjgxMDQwNTU4AAGns_KcbVu3Wo_guNinC6VhmllS8BvAk5OVbaqGoGNAqc_ANmj62GbAWPEiYU4_aem_yBSH123tZWtYmZC99nNjzg [https://www.shawandpartners.com.au/home?utm_source=ig&utm_medium=social&utm_content=link_in_bio&fbclid=PAZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMjU2MjgxMDQwNTU4AAGns_KcbVu3Wo_guNinC6VhmllS8BvAk5OVbaqGoGNAqc_ANmj62GbAWPEiYU4_aem_yBSH123tZWtYmZC99nNjzg] If you'd like to get in touch with us: Facebook: https://www.facebook.com/burkebrittonfp [https://www.facebook.com/burkebrittonfp] Instagram: https://www.instagram.com/burkebrittonfp [https://www.instagram.com/burkebrittonfp] TikTok: https://www.tiktok.com/@burkebrittonfp [https://www.tiktok.com/@burkebrittonfp] Spotify: https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c [https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c] If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au [admin@bbfp.com.au], visit our website at https://www.bbfp.com.au [https://www.bbfp.com.au] or book a 15min call to see how we can help you via https://outlook.office365.com/book/BBFP@bbfp.com.au/s/Mch8gUZK6U2W9Lmg86-jmg2?ismsaljsauthenabled=true [https://outlook.office365.com/book/BBFP@bbfp.com.au/s/Mch8gUZK6U2W9Lmg86-jmg2?ismsaljsauthenabled=true] Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.