This episode of the podcast Ted speaks with Sophie Elsworth. Sophie is a personal finance writer for News Corp, so you may be familiar with her articles in the Daily Telegraph and Herald Sun, or other News Corp mastheads around the country. Sophie specialises in personal finance with real, actionable tips for Australians to improve their financial situation with achievable changes that can be made right now. They touch on; - the winners and losers from interest rates going down - how to get a better deal with your mortgage 1) Ask to speak to your mortgage providers home loan retention team (it may take a few days to speak to someone) 2) Educate yourself and be armed with some better rates in the market 3) Speak with confidence and talk tough to your bank. You can threaten to leave if they don't come to the party and drop your rate on the spot. 4) Remember this is no time to worry about loyalty - Who are the losers - How to lower your insurance premiums - Tips for your tax returns - Links where you can find out more This episode is brought to you by Six Park, providing online investment management to clients all over Australia www.sixpark.com.au