finance

The following articles have the tag finance

Australia’s personal debt dilemma

Australian banks are reporting increased levels of personal debt

Australia’s personal debt dilemma

Australian banks are reporting increasing levels of personal debt and loan defaults.

Government must borrow and spend

RBA Governor urges Government to borrow and spend

Government must borrow and spend

Government must borrow and spend to dial up growth according to the RBA Governor.

Memory loss and your money

Memory loss and your money

Memory loss and your money

These five tips will help you manage your money when suffering memory loss.

PM demands banks pass on rate cut

PM Turnbull demands big banks to pass on full rate cut

PM demands banks pass on rate cut

Prime Minister Malcolm Turnbull has demanded that the banks pass on the cut.

The real cost of running a car

New app helps you work out the true cost of buying and running a car

The real cost of running a car

A new app helps you work out the true cost of buying and running a ...

Baby boomers feeling the pinch

Standard of retirement living for baby boomers on the decline

Baby boomers feeling the pinch

Baby boomers are claiming lower levels of financial comfort in retirement.

Should you trust phone pay apps?

Contactless payments: are phone pay apps safe to use?

Should you trust phone pay apps?

Smartphone payment apps are becoming more common, but how safe are they?

The best cheap cuts of meat: beef

Affordable cuts of meat on display in a butcher

The best cheap cuts of meat: beef

The least expensive cuts of meat can often be the tastiest.

How liquid should you be?

A calculator and a pen laying on top of financial information and graphs

How liquid should you be?

What is the ideal cash and assets mix? Money expert Chris Malloy has the answer.

Home ownership numbers dwindling

Housing affordability in the spotlight after HILDA report findings

Home ownership numbers dwindling

In a few years’ time, a minority of Australians will own a home.

How to lodge your tax online

How to lodge your tax return online with myTax

How to lodge your tax online

Do you pay for an accountant to do your taxes? Why not try myTax – ...

Does your retirement need a rethink?

Does your retirement need a rethink?

Does your retirement need a rethink?

Will the proposed changes to super have an impact on your retirement income?

How to spot an investment scam

Spot the signs of an investment scam

How to spot an investment scam

How to spot the signs of an investment scam.

10 tips towards financial health

10 things to do for your financial health this year

10 tips towards financial health

The start of the financial year is a great time to hit reset on your ...

Why super doesn’t work

Superannuation – where did it go wrong?

Why super doesn’t work

Five reasons why our super system is stuffed.

What will your vote cost you?

Find out how your vote will affect your hip pocket

What will your vote cost you?

RateCity has created a calculator that informs you of the personal cost of your vote.

Is your private data being sold?

Credit company under fire for allegedly selling private information

Is your private data being sold?

Credit reporting agency Veda is being criticised for allegedly selling private data.

Deeming rates in detail

Deeming rates in detail

Deeming rates in detail

Deeming rate thresholds will change from 1 July 2016

Are you in the ATO's sights?

Are you in the ATO's sights?

Are you in the ATO's sights?

The Australian Tax Office tells taxpayers what it’s targeting come tax time.

$4.3 billion wasted on interest fees

Why do Australians waste $4.3 billion each year on interest repayments?

$4.3 billion wasted on interest fees

Why do Australians waste $4.3 billion each year on interest repayments?

Best deals for new wheels

Piggy bank on a brand new set of affordable car wheels

Best deals for new wheels

June is considered one of the best times to buy a new set of wheels.

Are you wasting money on interest?

Close up of man taking credit card out of wallet

Are you wasting money on interest?

$3.5 billion was wasted on high-interest rate credit cards last year.

Seven smart ways to save money

Seven smart ways to save money

Seven smart ways to save money

A quick video that explains seven smart yet simple tips for saving money.

Refinance your mortgage

Refinance your mortgage

Refinance your mortgage

Interested in finding out how your current mortgage stacks up against those on the market?

Reduce your mortgage by 10 years

How to reduce your mortgage by 10 years

Reduce your mortgage by 10 years

It’s easier than you think to knock years off your home loan.

How you can save whilst renting

Coins in a jar money saved while renting

How you can save whilst renting

Even whilst renting, there are nifty ways you can save. Here are nine of them.

Financial assistance for grandparents

Grandparents figures on a scale with stacks of money

Financial assistance for grandparents

If you have responsibility for your grandchildren, what help is available?

Banks profit from rate cut delay

Big banks stand to pocket millions by withholding RBA rates from customers

Banks profit from rate cut delay

Banks stand to pocket around $21 million dollars by withholding rate cuts.

How the PM plans to tax super

portrait of australian prime  minister malcolm turnbull

How the PM plans to tax super

Big changes to how the Government plans to tax superannuation may be on the way.

Should you have to pay to pay?

Senior woman opens a paper bill unhappily

Should you have to pay to pay?

Is it right to charge people to receive paper copies of bills?

What older Australians want (summary)

What older Australians want (summary)

What older Australians want (summary)

What you want in Budget 2016 will change the face of retirement.

Budget 2016 – what you want

words saying budget 2016 in bright colours on a white brick wall

Budget 2016 – what you want

What you want in Budget 2016 will change the face of retirement.

Company tax cuts not the answer

newspaper advert saying no to company tax cuts

Company tax cuts not the answer

Fifty prominent Australians have called on the Government not to cut the company tax rate.

Australia’s secret spending habits

Australia’s secret spending habits

Australia’s secret spending habits

A new report from finder.com.au reveals the secret spending habits of Australians.

Your money milestones

person pushing a cart with dollar sign in

Your money milestones

Managing your money doesn’t get any easier as you get older, but there are certain ...

Your money milestones

person pushing a cart with dollar sign in

Your money milestones

Managing your money doesn’t get any easier as you get older, but there are certain ...

When is a liability an asset?

magnifying glass on asset and liability jigsaw puzzle

When is a liability an asset?

When is a liability assessed as an asset?

Retirement: the risk is all yours

Retired couple look over their retirement finances with concern for risk

Retirement: the risk is all yours

The risk of funding retirement income has well and truly shifted – and now it’s ...

The murky future of retirement

The murky future of retirement

The murky future of retirement

Three quarters of Australians aged 45 and over dream of retiring early but can’t.

The continued rise of elder abuse

young lady with inheritance impatience looks enviously at her mother

The continued rise of elder abuse

Yesterday, George Brandis addressed a national conference on elder abuse.

Hardship register to help those in debt

Hardship register to help those in debt

Hardship register to help those in debt

The new National Hardship Register has been created to help those struggling to pay off ...

Dole recipient loophole exposed

Dole recipient loophole exposed

Dole recipient loophole exposed

Newstart Allowance recipients are exploiting a loophole that allows them to refuse jobs.

Excessive transaction fees to disappear

Excessive transaction fees to disappear

Excessive transaction fees to disappear

The now has ACCC the power to fine companies charging excessive surcharges.

Generation wealth gap widens

Generation wealth gap widens

Generation wealth gap widens

A recent report shows that older Aussies are becoming increasingly financially comfortable.

Are you an emotional spender?

Woman using a calculator to track her sepnding habits

Are you an emotional spender?

Emotional spending can impact on more than just your financial health.

Money management for one

A recently separated woman manages her finances

Money management for one

Here are some simple money management tips for singles.

ATM skimming explained

A person inserts their card into an ATM machine

ATM skimming explained

ATM skimming scammers cost Australians close to $40 million a year.

Are you losing money from your super?

Superannuation: fossil fuels may be hurting your financial future

Are you losing money from your super?

Renewable investments outperformed fossil-fuel investments in 2015.

Super rich own half the world’s wealth

Sixty-two people own more than half the world’s wealth

Super rich own half the world’s wealth

The richest 1 per cent, or 62 people, have more wealth than the rest of ...

Super funds set to post a loss in 2016

Superannuation: returns set to take a hit in 2016

Super funds set to post a loss in 2016

Australian superannuation funds have already posted a 2.5 per cent loss in 2016.

Comparing pet insurance

Injured dog on vet's table

Comparing pet insurance

Pet insurance is now big business, but which policy should you choose?

How to be richer this time next year

Person holding multiple 100 dollar notes

How to be richer this time next year

These seven tips should see you be richer in a years’ time.

Steady as it goes for super

Steady as it goes for super

Steady as it goes for super

The 2015 median investment return on balanced super funds was 5.3 per cent.

Difficulties paying utility bills

Stressed couple having evaluating their utility bills

Difficulties paying utility bills

What can you do if you’re experiencing utility bill payment difficulties?

Seven money secrets of the rich

Rich man wearing suit with light bulb

Seven money secrets of the rich

Seven suggestions that can teach us a thing or two about the secrets of the ...

What charities do with your money

What charities do with your money

What charities do with your money

Where is your charitable donation going?

Calls for fairer credit card system

Senate inquiry calls for a fairer credit card system

Calls for fairer credit card system

A Senate inquiry has called on the Government to help those struggling with debt.

Noel Whittaker’s life lessons

Noel Whittaker 25 years of whitt and wisdom

Noel Whittaker’s life lessons

Noel Whittaker has taken the time to share the three important lessons he has learned.

Enjoy a frugal Christmas…

 Enjoy a frugal Christmas…

Enjoy a frugal Christmas…

Don’t splash the cash this Christmas with our tips for frugal festivities.

GST increase good for pensioners

GST increase good for pensioners

GST increase good for pensioners

New research suggests that pensioners will be better off under proposed changes to the GST.

Discussing money matters

Discussing money matters

Discussing money matters

These tips will help you to broach the difficult topic of money.

Common credit card mistakes

Common credit card mistakes

Common credit card mistakes

Do you make any of these nine common credit card mistakes?

Surviving a divorce financially

Surviving a divorce financially

Surviving a divorce financially

Divorce can be a lengthy and expensive process.

Money habits you need to break

Money habits you need to break

Money habits you need to break

Do you need to break away from these five bad money habits?

How to make extra spending money

How to make extra spending money

How to make extra spending money

We’ve put together an extensive list of hobbies and skills that you can use to ...

Westpac’s rate increase “greedy”

Westpac’s rate increase “greedy”

Westpac’s rate increase “greedy”

Westpac has been accused of gouging its customers with its new mortgage rate.

Can money buy happiness?

Can money buy happiness?

Can money buy happiness?

How you spend your money can have a long-term effect on your happiness, according to ...

Aussies losing billions to ‘lazy tax’

Aussies losing billions to ‘lazy tax’

Aussies losing billions to ‘lazy tax’

Australians who are sticking with current service providers could be losing big bucks.

Energy companies gouging consumers

Energy companies gouging consumers

Energy companies gouging consumers

The electricity component of your latest bill made up just 11 per cent of what ...

Trans-Pacific Partnership reached

Trans-Pacific Partnership reached

Trans-Pacific Partnership reached

Twelve Pacific-rim nations have agreed upon the largest free-trade agreement in history.

What will happen to your super?

What will happen to your super?

What will happen to your super?

The latest share market dip could mean trouble for Australians looking to retire soon.

Money habits for happy couples

Money habits for happy couples

Money habits for happy couples

Our seven habits for managing money will make for happier couples and better bottom lines.

Super tax breaks back on agenda

Super tax breaks back on agenda

Super tax breaks back on agenda

Financial Services Inquiry head, David Murray, has called for the new PM to rethink super.

Older Australians retiring in debt

Older Australians retiring in debt

Older Australians retiring in debt

Australians are carrying higher levels of debt into retirement than the previous generation.

$60 billion sharemarket crash

$60 billion sharemarket crash

$60 billion sharemarket crash

The worst day of losses for the Australian sharemarket since the global financial crisis.

Should over 65s pay income tax?

Should over 65s pay income tax?

Should over 65s pay income tax?

Major groups are calling on Canberra to stay open-minded about tax reform.

RBA call to reduce credit rates

RBA call to reduce credit rates

RBA call to reduce credit rates

The RBA has called out the big banks for not reducing rates on credit cards.

Five best retirement calculators

Five best retirement calculators

Five best retirement calculators

We’ve rounded up the top five free retirement calculators on the internet.

The magic of compound interest

The magic of compound interest

The magic of compound interest

Interest is calculated on the increasing balance, generating more and more interest.

Industry vs retail super funds

Industry vs retail super funds

Industry vs retail super funds

Why do industry super funds outperform retail?

Retiring at 60 a pipedream

Retiring at 60 a pipedream

Retiring at 60 a pipedream

A report released yesterday has found that the notion of retiring at 60 is becoming ...

The ages and stages of retirement

The ages and stages of retirement

The ages and stages of retirement

Our finance expert Richard Shermon explains the finer points of retirement.

How to save $2500 per year

How to save $2500 per year

How to save $2500 per year

Anne Rady shares several simple tips, which if followed, can help you to save up ...

50 questions to ask an adviser

finance, superannuation, insurance, investment, adviser

50 questions to ask an adviser

YourLifeChoices has 50 useful questions you may wish to ask.

Super – who gets what?

Super – who gets what?

Super – who gets what?

How can you make sure your family receive your fortune?

Is bankruptcy the only option?

Is bankruptcy the only option?

Is bankruptcy the only option?

Is this extreme course of action the only answer?

Tips for choosing a credit card

Tips for choosing a credit card

Tips for choosing a credit card

To ensure you get the best card for you, you need to understand how you ...

Lump sum superannuation to end

Lump sum superannuation to end

Lump sum superannuation to end

Australians will have their superannuation made available as a self-funded pension.

Earn extra cash from home

Earn extra cash from home

Earn extra cash from home

How to have fun while earning extra money from home

Pretend you make less and save

Pretend you make less and save

Pretend you make less and save

Pretending that you earn less can save you money.

Retirement Update September 2015

Retirement Update September 2015

Retirement Update September 2015

It’s time to spring into action and take control of your own retirement.

Millionaire pension payments

Millionaire pension payments

Millionaire pension payments

Asset-rich retirees have been receiving around $500 million in benefits per year.

Paying bills the easy way

Paying bills the easy way

Paying bills the easy way

Sharyn has heard of a service provide by Centrelink which can help her spread the ...

Big banks delay rate cuts

Big banks delay rate cuts

Big banks delay rate cuts

Australia’s biggest banks will profit $68 million by delaying for 17 days the RBA rate ...

RBA cuts interest rate to record low

RBA cuts interest rate to record low

RBA cuts interest rate to record low

The Reserve Bank of Australia has cut interest rates for the first time since August ...

CHOICE calls on banks to be fair

CHOICE calls on banks to be fair

CHOICE calls on banks to be fair

CHOICE has called on the banks to pass on the latest RBA rate cut to ...

Avoiding identity theft

Avoiding identity theft

Avoiding identity theft

It’s estimated that one in five Australians are affected by identity theft.

Common credit mistakes

Common credit mistakes

Common credit mistakes

How to protect your credit rating when living on a fixed income.

Youth can’t replace experience

Youth can’t replace experience

Youth can’t replace experience

Australia may be ‘dumbed down’ as baby boomers move towards retirement.

Quick guide to life insurance

life insurance, advice, finance

Quick guide to life insurance

Follow our easy to read guide on life insurance.

Ignorance is never bliss

Ignorance is never bliss

Ignorance is never bliss

According to nearly 4500 respondents, the outlook is bleak.

What is an annuity?

What is an annuity?

What is an annuity?

One of the most common ways to provide an income in retirement is by using ...

DIY will kits

DIY will kits

DIY will kits

How to activate probate when in possession of a DIY will, and are such kits ...

Trusted financial advice needed

Trusted financial advice needed

Trusted financial advice needed

Financial industry experts still have doubts over the integrity of many financial advisors.

Equity release – is it for you?

Reverse Mortgages, pirfalls, rich, poor, cash, money, finance, Equity release – is it for you?

Equity release – is it for you?

A Reverse Mortgage may be a good way to access money for those who are ...

No escaping Capital Gains Tax

No escaping Capital Gains Tax

No escaping Capital Gains Tax

Claiming a Capital Gains Tax exemption for a property takes more than just living in ...

Top 10 money-managing websites 

Top 10 money-managing websites 

Top 10 money-managing websites 

Starting the year with a clean(er) slate will make you feel much better.

Breaking bad money habits

Break bad money habits, money, finance, budget

Breaking bad money habits

Understanding your bad money habits and how to fix them will help get your finances ...

Five tips to save on health insurance

Five tips to save on health insurance

Five tips to save on health insurance

Five top savings tips for those looking review their private health insurance

Five ways to be money smart

money smart, 2012, finance,

Five ways to be money smart

In today’s world of easy credit and growing debt, how can you get your finances ...

Ten penny-pinching tips

Ten penny-pinching tips, money, save, finance, frugal

Ten penny-pinching tips

Everyone has a favourite tip for saving money or reusing household goods.

Off-setting rental income

age pension, rent, rental income, finance, centrelink

Off-setting rental income

What are the implications on the Age Pension of any rental income received?

Retirement time bomb

Retirement time bomb

Retirement time bomb

What’s wrong with retirement planning in Australia? Everything!

Don’t believe what the banks tell you

Don’t believe what the banks tell you

Don’t believe what the banks tell you

The big four banks have failed to keep pace with the RBA's lowered cash rate

The ten worst retirement planning mistakes

The ten worst retirement planning mistakes, resources, finance, Paul Clitheroe, ipac, financial planning, living, homes

The ten worst retirement planning mistakes

Paul Clitheroe reviews the ten biggest retirement planning mistakes.

Financial health checklist

financial health checklist, financial planning, finance

Financial health checklist

It is important to know if your finances are heading in the right direction. ...

Grandparents' support

Grandparents' support

Grandparents' support

Caring for a child will mean many changes to your life, socially and financially.

Can I use super to pay my mortgage?

Can I use super to pay my mortgage?

Can I use super to pay my mortgage?

YOURLifeChoices member Tony is trying to reduce his debt by paying off some of his ...

Retirement calculators

retirement, superannuation, calculators, finance, superannuation calculators

Retirement calculators

A useful calculator is one which helps you determine 'how much will I need?'

Assistance for impending retirees

Assistance for impending retirees

Assistance for impending retirees

Taking the first steps towards retirement can be daunting, and most retirees feel they need ...

Will I get his mother’s money?

Will I get his mother’s money?

Will I get his mother’s money?

YOURLifeChoices member Mary has recently separated from her husband. As she only received a small ...

$2 million Centrelink fraud

$2 million Centrelink fraud

$2 million Centrelink fraud

A Queensland woman went on a spending spree with $2 million of Centrelink’s money

Rejected Age Pension claim

Rejected Age Pension claim

Rejected Age Pension claim

Centrelink asked Bill to put in a claim for the Age Pension, only for it ...

Will I get any carbon tax compensation?

Will I get any carbon tax compensation?

Will I get any carbon tax compensation?

Are you a self-funded retiree who has yet to receive compensation under the Household Assistance ...

How to achieve investment independence

How to achieve investment independence

How to achieve investment independence

Basil La Brooy highlights some of the ways NICRI can help you on your way ...

Check your credit rating

Check your credit rating

Check your credit rating

Do you know how good (or bad) your credit rating is?

The A-Z of superannuation

Superannuation, finance, martin murden, retirement, self managed super funds

The A-Z of superannuation

Sometimes it seems that financial advisers speak a different language.

Leaving it all behind

estate planning, probate, assets, will, finance, costs, money

Leaving it all behind

We don't often read about what happens after someone dies – from a legal aspect, ...

Children’s savings and grandparents’ gifting

saving, money, finance, grandparents, gifting

Children’s savings and grandparents’ gifting

Many grandparents across Australia are keen to contribute in some way to the bringing ...

What happened to our Telephone Allowance?

telephone allowance, Centrelink, finance

What happened to our Telephone Allowance?

YOURLifeChoices subscriber Casper hasn’t noticed the Telephone Allowance being paid.

When a reverse mortgage is the right choice

reverse mortgage, finance, property, mortgage

When a reverse mortgage is the right choice

The National Information Centre on Retirement Investments Inc (NICRI) receives many requests for ...

Bring forward rules for your non-concessional contributions

Bring forward rules for your non-concessional contributions

Bring forward rules for your non-concessional contributions

An effective way of reaching your retirement goal

Giving back to the community

community, finance, will, charity, legacy

Giving back to the community

When it comes to making a will, many people are now opting to take ...

Preparing for the first day of the rest of your life

retirement, financial strategy, finance, money, superannuation

Preparing for the first day of the rest of your life

Retirement is a big step which requires careful planning and a considered approach to ...

Superannuation shortfall solutions

Superannuation, Finance, Money, Westpac, Bank, Australian, Age, Fund, Downsizing, Segue Financial Services

Superannuation shortfall solutions

The earlier you can start planning, the better your chances of meeting your retirement targets.

Age limit abolished

superannuation, super, superannuation guarantee, age limit, finance, money

Age limit abolished

The Federal Government has announced that it will be abolishing the age limit for superannuation ...

Tips for purchasing life insurance

life insurance, choosi.com, choosi, tips for purchasing, today, shop around, ask, money, finance

Tips for purchasing life insurance

According to a new study 85 per cent of Australians don’t feel that they ...

Feeling the mortgage pinch?

finance, mortgages, saving, repayments

Feeling the mortgage pinch?

Steady interest rates may be helping those paying a mortgage but the increase in ...

Good housekeeping for SMSFs

SMSF, Self Managed Super Funds, Superannuation, Australia, Seniors, ATO, Pension Payments, Rules, Finance, Money

Good housekeeping for SMSFs

Australia currently boasts around 435,000 Self Managed Super Funds. Martin Murden provides ...

How to make the most of your salary

How to make the most of your salary, retirement, saving, nest egg, finance, money

How to make the most of your salary

Whether retirement is a long way off or just around the corner, it’s ...

Where there’s a will…

Wills, prepare, early, lawyer, beneficiaries, executor, draft, consider, will kit, money, legal, finance

Where there’s a will…

Whether you’re leaving your fortune to your grandchildren or the local cat shelter, making ...

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