finance
The following articles have the tag finance
Pension cuts on the way

Pension cuts on the way
‘More cuts to income support payments is also the last thing the country needs,’ says ...
New super rules ‘confusing’

New super rules ‘confusing’
‘While ASIC is trying to get this right, this is a missed opportunity for consumers,’ ...
Money's best financial products

Money's best financial products
Australians could save more than $180,000 by switching financial product providers, says Money Magazine
Good news for older drivers

Good news for older drivers
Average retail petrol prices fell slightly in the quarter ending September 2019.
Super fund of the year announced

Super fund of the year announced
It’s not because of their size, but because of what they do with it.
Report reveals retirees most at risk

Report reveals retirees most at risk
Excessive or indefinite deferral of home purchase can have consequences.
ATO publishes lost super hotspots

ATO publishes lost super hotspots
Australians can, for the first time, be reunited with lost money without having to take ...
Super funds build momentum

Super funds build momentum
Funds are off to a positive start in the December quarter.
Retirees ‘flying solo’ with finances

Retirees ‘flying solo’ with finances
A large number of retired Australians are independently navigating their way through their retirement finances.
How are shares assessed?

How are shares assessed?
David has had a big share market win but is now worried about his pension ...
Who’s better at managing money?

Who’s better at managing money?
Report finds big gaps between perception and reality of managing money.
Are you underinsured?

Are you underinsured?
Aussie property owners could have their homes underinsured by up to 66 per cent.
Eight rules about making returns

Eight rules about making returns
As a consumer, you have automatic rights after you purchase a product or service.
How to find safe investments that pay

How to find safe investments that pay
Are you looking for ways to find stocks paying dividends while delivering capital growth?
Recalled products still in circulation

Recalled products still in circulation
Australians could be at risk of injuries from 6.6 million products under voluntary recall.
PCC rules and eligibility

PCC rules and eligibility
Your partner may be eligible for concessions, even if they’re not on the pension.
Paying too much for electricity?

Paying too much for electricity?
What’s the price of loyalty? Potentially hundreds of dollars a year. So why stick with ...
Make money without unretiring

Make money without unretiring
Simple ways to earn passive income to stretch your retirement dollars.
What funds don’t want you to know?

What funds don’t want you to know?
Super watchdog butts heads with funds over a comparison tool that could quickly and reliably ...
The challenge for retirees

The challenge for retirees
Falling interest rates are scaring Australians, with confidence falling to a four-year low.
Think tank gets super wrong – again

Think tank gets super wrong – again
‘The claims made by the Grattan Institute are based on a fantasy world that doesn’t ...
How best to use your nest egg

How best to use your nest egg
Making sense of retirement savings – and how best to ‘spend’ them.
Investments you should avoid

Investments you should avoid
If you want to live well in retirement, investment is the key, but watch out ...
Help needed urgently: report

Help needed urgently: report
Two-thirds of low-income households that rent are in rental distress: report.
Negative interest rate worry

Negative interest rate worry
Negative interest rates could be coming to Australia.
Is your super fund right for you?

Is your super fund right for you?
There’s no room for complacency when it comes to your super and pension funds.
Retirement review compromised?

Retirement review compromised?
Review to assess how the retirement income system will perform as the population ages.
How to choose a power of attorney

How to choose a power of attorney
Estate planning expert Rod Cunich answers your questions about power of attorney powers.
How bill smoothing can help you

How bill smoothing can help you
Sleepless nights might be averted by a strategy known as bill smoothing.
How money woes affect ageing

How money woes affect ageing
Adults who spend four years in economic hardship are at risk of accelerated ageing.
Are you owed a franking credit payment?

Are you owed a franking credit payment?
If you own shares or managed funds, then you may be owed money by the ...
New fund tops super satisfaction list

New fund tops super satisfaction list
There have been some wild changes in the latest super satisfaction rankings.
How is a loan repayment assessed?

How is a loan repayment assessed?
Will your Age Pension be affected by a lump-sum loan repayment from one of your ...
Paying for services you don’t use?

Paying for services you don’t use?
The nature of direct debits means you can lose track of who you are paying ...
Thousands saving on energy prices

Thousands saving on energy prices
Nearly a million customers on standing offers have seen automatic savings to their electricity bills.
AFCA to accept legacy complaints

AFCA to accept legacy complaints
Unresolved issues that date back to 2008 can now be pursued through the watchdog.
Mortgage stress infiltrates retirement

Mortgage stress infiltrates retirement
More older Australians are finding it difficult to pay off their mortgage debt before they ...
How to choose a financial adviser

How to choose a financial adviser
Jan is finding retirement confusing but is worried about dodgy financial advisers.
How to avoid overseas bank fees

How to avoid overseas bank fees
Joanne is wondering whether it is possible to avoid being stung by high fees on ...
Could gift hurt grandparents’ income?

Could gift hurt grandparents’ income?
Noel Whittaker explains how duo can best set aside money for their granddaughter.
How to pick the right credit card

How to pick the right credit card
Credit cards are a convenient way to pay for things, but that convenience can come ...
Is this the path to cheaper energy?

Is this the path to cheaper energy?
The ACCC is working on an efficient way to share data with energy service providers.
Is your super fund fleecing you?

Is your super fund fleecing you?
One of the golden rules of superannuation is, the less you pay, the more you ...
Age Pension boost on the way

Age Pension boost on the way
Pensioners will have two reasons to smile in September with the scheduled increase to the ...
Calls to change inheritance laws

Calls to change inheritance laws
Australia is one of only seven OECD countries without any inheritance, estate or gift taxes. ...
Stingiest generation revealed

Stingiest generation revealed
Australians spend almost $20 billion on gifts each year, but some generations are more generous ...
The problem with the assets test

The problem with the assets test
A better designed assets test would ensure that we didn’t penalise thrift.
Are boomers a burden?

Are boomers a burden?
Today’s 40-year-olds are paying twice as much to support retirees than boomers did at the ...
How does gifting affect pension?

How does gifting affect pension?
Garry and his wife have accounts for the grandkids, but now it is time to ...
One in four retirees losing money

One in four retirees losing money
Over-65s are the most targeted group for scammers, and baby boomers aged 55 to 64 ...
When you shouldn’t use your card

When you shouldn’t use your card
Older Australians are increasingly asking for help in managing credit card debt.
Are you too smart to be scammed?

Are you too smart to be scammed?
Australians are set to lose a record amount to scams in 2019, according to the ...
One in 50 ‘fleeced’ by bank

One in 50 ‘fleeced’ by bank
Big four bank engaged in unconscionable conduct and misleading and deceptive conduct, say lawyers.
Live well at home as you age

Live well at home as you age
Australians prefer to stay in their own home as they age. Can you afford the ...
Older Aussies and housing choices

Older Aussies and housing choices
Safety and security and having somewhere that feels like home are critical.
How low will the cash rate go?

How low will the cash rate go?
Economists say as many as two more cuts are likely, starting in October or November.
Don’t be tricked by a tradie

Don’t be tricked by a tradie
Tips to help you avoid being ripped off by a tradesperson.
How criminals steal your identity

How criminals steal your identity
Scams involving identity theft have cost Australians at least $16 million this year.
How to boost your property value

How to boost your property value
Building a granny flat adds value to your home and could create a new revenue ...
When is super worth the risk?

When is super worth the risk?
The current financial climate may inspire some to take risks with their savings.
How to make your savings sing

How to make your savings sing
Building your nest egg is part of the journey. How to use those savings is ...
Why the cost of living is rising

Why the cost of living is rising
How can living costs be such an issue when the official measure of inflation is ...
Time to check your super fund?

Time to check your super fund?
Despite a rollercoaster ride of a year, super funds have finished well in the black.
A third of Aussies defeated by debt

A third of Aussies defeated by debt
Research shows nearly nine million Australians are aware of their credit mismanagement.
Rate cut “too little too late”

Rate cut “too little too late”
The deeming rates have finally been cut, but it’s “too little too late”, say critics.
Super funds that satisfy

Super funds that satisfy
Industry super funds increased their lead over retail funds based on member satisfaction.
What is open banking?

What is open banking?
What is open banking? Will it save you money? Should you trust this new system?
Government needs to step up

Government needs to step up
Retirees are suffering from cash rate cuts, prompting calls for cuts to deeming rates.
Beware of bogus tax agents

Beware of bogus tax agents
Tax Practitioners Board warns that unregistered tax agents could cost victims dearly.
The retirement challenge

The retirement challenge
Your life expectancy has increased – will your retirement savings last the distance?
Home is where the heart is

Home is where the heart is
The majority of older Australians own their homes and have no intention of leaving.
Banks held to a higher standard

Banks held to a higher standard
Banks to be held to a higher standard under fresh code of practice starting on ...
Push to adjust deeming rates

Push to adjust deeming rates
Retirees are taking a double hit to their income due to government inaction.
Devalued assets and the pension

Devalued assets and the pension
Geoff believes the falling property market makes him eligible for the pension again.
How to check your credit rating

How to check your credit rating
Don’t be denied a loan because of an error in your credit report.
$1.6b spent on ‘secret purchases’

$1.6b spent on ‘secret purchases’
Millions of Australians are hiding purchases from their partners.
Is maintaining a home worth it?

Is maintaining a home worth it?
Has owning a home really become more expensive? Matt Grudnoff investigates.
Fears over Afterpay’s latest move

Fears over Afterpay’s latest move
Sceptics issue warnings to the financially vulnerable.
The growing ‘unretirement’ trend

The growing ‘unretirement’ trend
Retirement is meant to be permanent, but many people are changing their minds.
Uni to probe reverse mortgages

Uni to probe reverse mortgages
University of NSW Business School to investigate low uptake of reverse mortgages.
Futureproofing your retirement

Futureproofing your retirement
Savvy investors share how to futureproof retirement income by investing defensively.
Can pensioners offset their tax?

Can pensioners offset their tax?
Ted wants to know the maximum income he can earn without paying income tax.
Banks’ behaviour ‘appalling’

Banks’ behaviour ‘appalling’
New complaints body is receiving 5900 complaints a month – mostly about the banks.
More bad news for retirees

More bad news for retirees
Is it time to change your investment strategy?
How rate cut will affect retirees

How rate cut will affect retirees
Reserve Bank is set to cut official interest rates, which is bad news for retirees.
Age Pension under pressure?

Age Pension under pressure?
The future of the Age Pension: Is the family home safe from assets tests?
How good is free money?

How good is free money?
Bank shares have shot up since Labor's franking credits policy was shot down in flames.
Super funds’ advice lashed

Super funds’ advice lashed
Support for pre-retirees needs urgent reform, says Rice Warner.
Are you being overcharged for energy?

Are you being overcharged for energy?
Is your energy provider incorrectly charging you too much for your usage?
Super funds bucking trends

Super funds bucking trends
Super funds deliver positive returns in April, but there are dark clouds on the horizon.
Planning an early retirement

Planning an early retirement
Frank has asked Noel Whittaker for guidance on early retirement planning.
Replace these items regularly

Replace these items regularly
You might think you are frugal but not replacing some items can affect your health.
Benefits of delaying retirement

Benefits of delaying retirement
You can build a bigger bank by working a bit longer, but there are other ...
Friday Funnies goes fiscal

Friday Funnies goes fiscal
Enjoy these jokes at the expense of our financially focused fiscal friends.
Renting retirees finding life harder

Renting retirees finding life harder
The number of rental listings suitable for age pensioners has dropped dramatically.
Insurance claims: Your rights

Insurance claims: Your rights
Making a claim on an insurance policy isn’t as simple as a quick phone call ...
Is renting a good retirement option?

Is renting a good retirement option?
Is owning your home the best option for your retirement or is there another option?
Blocking father from son’s legacy

Blocking father from son’s legacy
Joan wants to leave her son a legacy but block his controlling father.
What is putting pressure on you?

What is putting pressure on you?
The Consumer Price Index (CPI) rose 0.5 per cent in the December quarter of 2018.
Starting the aged care conversation

Starting the aged care conversation
What you should know before speaking with your financial adviser about aged care.
Are insurance bonuses income?

Are insurance bonuses income?
Brendan wants to know how Centrelink will assess bonuses from his life insurance policy.
Are super funds breaking the law?

Are super funds breaking the law?
New ASIC laws aimed at safeguarding your super.
Retirees expect more assistance

Retirees expect more assistance
YourLifeChoices members believe the government is not doing enough to support retirees.
ATO doubles down on retirees

ATO doubles down on retirees
Rental property owners are being warned to ensure their claims are accurate this tax time.
Research reveals bad super products

Research reveals bad super products
Reduced returns for twice the cost – the problem with bank-owned super products.
Retiree home ownership to plummet

Retiree home ownership to plummet
Soon little more than half will own where they live.
Will you get a super fee refund?

Will you get a super fee refund?
Regulators give the super industry until 30 June to clean up – or else.
Are you in the right area to retire?

Are you in the right area to retire?
A successful retirement requires several elements. Where you live is vitally important.
The inside story on term deposits

The inside story on term deposits
Choosing a term deposit might sound simple, but you should consider these tips.
Super satisfaction takes a dive

Super satisfaction takes a dive
Satisfaction with industry super funds jumps as overall satisfaction within the sector falls.
What to do if you are underpaid

What to do if you are underpaid
David thinks his mother-in-law has been underpaid and wants to know what to do.
Super reform needed now: ASFA

Super reform needed now: ASFA
Low confidence in retirement among women has broad social implications: ASFA chief.
Backing up claims to fix banking

Backing up claims to fix banking
The Government commits $607m to fix banking and finance system.
Improved access to medicines

Improved access to medicines
Australians will benefit from more affordable medicines and access to health services.
Super changes hardly super

Super changes hardly super
Retirees won’t benefit much from this Budget, but those still saving for retirement may.
More funds for at-home aged care

More funds for at-home aged care
More funds aimed to make a dent in at-home aged-care wait lists
One thing is guaranteed

One thing is guaranteed
But will it have an impact on how you will vote in May?
The tax measure labelled ‘silly’

The tax measure labelled ‘silly’
Government’s ‘immediate relief for taxpayers’ cops a whack.
Federal Budget 2019 overview

Federal Budget 2019 overview
We’ve dug deep to find how Federal Budget 2019 will affect you.
The Treasurer’s speech

The Treasurer’s speech
Federal Treasurer Josh Frydenberg spruiks the economy’s return to surplus.
Home loans in retirement

Home loans in retirement
Ron has returned to Australia and wants to buy a house but is worried about ...
Super plan could raise pensions

Super plan could raise pensions
Raising super contributions could lead to a pension increase.
Why retirement risks keep rising

Why retirement risks keep rising
Assessing potential risks in retirement should be a significant part of your planning.
Is it too late to invest in property?

Is it too late to invest in property?
House prices are dropping around Australia so can retirees capitalise on the situation?
Super funds bounce back

Super funds bounce back
Funds have emerged from the recent market downturn in top shape.
Are you in the ATO’s crosshairs?

Are you in the ATO’s crosshairs?
What will the ATO be targeting come tax time this year?
How to spot a dud super fund

How to spot a dud super fund
An under-performing super fund can cost you about 13 years’ pay over a working lifetime.
Pension funds to face pressure

Pension funds to face pressure
APRA will begin publishing ‘heat maps’ of the performance of pension funds next year.
Watchdog lashes banks – again

Watchdog lashes banks – again
Finance bodies ‘too slow’ in reviews of fees-for-no-service scandals: ASIC.
$900b tapped to save retirement

$900b tapped to save retirement
Your home equity could save your retirement – or your children’s future.
PM warned of Age Pension dangers

PM warned of Age Pension dangers
Generations at risk of retirement poverty, Government warned.
Private health cover in spotlight

Private health cover in spotlight
Are baby boomers’ concerns about private health cover finally being heard?
Alternatives to unliked ‘retiree tax’

Alternatives to unliked ‘retiree tax’
Rice Warner suggests three alternatives to Labor’s franking credits policy.
States with the most money stress

States with the most money stress
More than half of all Australians feel some form of financial stress.
Tips for smarter online shopping

Tips for smarter online shopping
Follow these tips for smarter online shopping.
Super laws cost Aussies millions

Super laws cost Aussies millions
ISA is calling for a change to superannuation laws that are costing Aussies millions.
Cash refunds should stay: economist

Cash refunds should stay: economist
Franking credits are being ‘rorted on an industrial scale’, says prominent economist.
Tips to pay off debt and save money

Tips to pay off debt and save money
A banking expert reveals his tips to pay off your debts and save money.
Aussies tightening their belts

Aussies tightening their belts
Australia’s financial comfort gap has narrowed for the first time in seven years.
Super changes needed urgently

Super changes needed urgently
Parliament urged to use this sitting week to pass laws to protect super savings.
What of the victims of bank crime?

What of the victims of bank crime?
The next step for the royal commission is ensuring that victims get compensation.
So-called ‘retiree tax’ debacle

So-called ‘retiree tax’ debacle
Inquiry to test public response to franking credit policy now under scrutiny.
Did the RC report go far enough?

Did the RC report go far enough?
Are you confident that the royal commission report will fix the finance sector?
How will the report affect you?

How will the report affect you?
How does the royal commission affect older Australians and retirees?
Royal commission omissions

Royal commission omissions
Graham Hand highlights the problems missed by the royal commission.
Little trust left in money advice

Little trust left in money advice
This is what you think of the professional financial advice you have paid for.
What if your property doesn’t sell?

What if your property doesn’t sell?
Downsizing might seem like a great idea, but what do you do if your property ...
The place with the highest premiums

The place with the highest premiums
A range of complex issues means property owners in some areas pay more for insurance.
Is home sale a possible minefield?

Is home sale a possible minefield?
Probable consequences on aged-care costs and pensions explained.
Super set to post a shocker

Super set to post a shocker
Super members are at risk of their first annual loss since 2011.
Credit card providers on notice

Credit card providers on notice
Key lenders promise to improve lending practices after ASIC review.
Don’t fall for funeral insurance

Don’t fall for funeral insurance
Funeral insurers have convinced many consumers to pay too much for their costs.
Another health cover exodus feared

Another health cover exodus feared
Health forum seeks value for money with greater transparency around surgeons’ fees.
Fast-track your savings

Fast-track your savings
Christmas chews through your money faster than you can say 'Dear Santa' … till now.
Conquer your credit card debt

Conquer your credit card debt
It can be very tempting to overindulge during the festive season.
Noel on all matters retirement

Noel on all matters retirement
Your queries answered: investment, super, the lot.
Airlines told to fix refund policies

Airlines told to fix refund policies
ACCC forces airlines to stop misleading consumers over their refund rights.
How to choose the right credit card

How to choose the right credit card
Credit cards are a convenient way to pay for things, but convenience can come at ...
Regulator orders super to shape up

Regulator orders super to shape up
New APRA rules to crackdown on underperforming superannuation funds.
Explained: Rent assistance

Explained: Rent assistance
There are strict rules and limits relating to how much Rent Assistance you can receive.
Seven money secrets of the rich

Seven money secrets of the rich
Seven suggestions that can teach us a thing or two about the secrets of the ...
Beware these holiday season scams

Beware these holiday season scams
Scamwatch is warning people to be careful about being caught out by holiday season scams.
Shock to the super system

Shock to the super system
APRA has taken off the gloves and made its most aggressive move in a decade.
Retiree fleeced of $236,000

Retiree fleeced of $236,000
Thousands of Australians unwittingly reveal bank details after threats of arrest.
Finance complaints body swamped

Finance complaints body swamped
New financial misconduct body receives 13,000 calls in first month.
Centrelink running ‘elaborate sham’

Centrelink running ‘elaborate sham’
A prominent Victorian barrister wants to challenge the robo-debt recovery scheme in court.
Major bank’s massive data leak

Major bank’s massive data leak
Massive data breach exposes sensitive medical details of bank customers.
Centrelink Q&A: Carer’s allowance

Centrelink Q&A: Carer’s allowance
Rosario is caring for a husband with dementia and wants to know if she can ...
Super fund returns 'may dry up'

Super fund returns 'may dry up'
Super is running out of investments, foreshadowing poorer returns, says funds chief.
How Visa’s tokenisation works

How Visa’s tokenisation works
Credit cards are about to become more resistant to fraudsters.
Bill shock you may not know about

Bill shock you may not know about
Electricity consumers in many states are failing to take full advantage of cheaper plans.
How to build an emergency fund

How to build an emergency fund
An emergency fund gives you some breathing space to deal with unexpected challenges.
Knowing your gift card rights

Knowing your gift card rights
There is no worse feeling than finding an expired gift card, but can you do ...
Retirement slipping from our grasp

Retirement slipping from our grasp
A new study reveals Australians are less confident they will be able to retire comfortably.
Is the ‘tree-change’ back in vogue?

Is the ‘tree-change’ back in vogue?
There has been a surge in demand for properties located in ‘lifestyle’ regions.
How to make sure products are safe

How to make sure products are safe
ACCC targets the number of unsafe consumer products being sold online.
How public trustees can help you

How public trustees can help you
For a small fee, public trustees can make financial and legal worries disappear.
Franking credits could cost votes

Franking credits could cost votes
A survey of older Aussies finds little support for closing the franking credits loophole.
Why your financial plans will fail

Why your financial plans will fail
What makes a successful financial plan? Is there a foolproof formula?
CPI's surprise price increases

CPI's surprise price increases
The most recent price increases are not the ones you were expecting.
How super changes will affect you

How super changes will affect you
New super changes address some minor but important issues that affect retirees.
The 10 best and worst super funds

The 10 best and worst super funds
Online investment adviser Stockspot releases its annual super rankings.
Why deeming rate is 3.25 per cent

Why deeming rate is 3.25 per cent
Some pensioners are expected to receive interest of 3.25 per cent on their savings.
Tribunal braces for 1000 gripess

Tribunal braces for 1000 gripess
The new superannuation guard dog is ready to bare its teeth.
Should you buy the cheapest fuel?

Should you buy the cheapest fuel?
Petrol prices have sky rocketed recently, but what do the cheaper options do to your ...
Jitters strip millions from super

Jitters strip millions from super
For super members, the share plunge could equal the cost of a short, overseas trip.
Income strategy is always important

Income strategy is always important
Jeff and Marion have a $420,000 super nest egg, but the future looks challenging.
Health and transport drive up costs

Health and transport drive up costs
Transport has been a significant driver of price increases in the past year.
How to let others invest your money

How to let others invest your money
You may be the best person to manage your own money.
Tax break boosts your super income

Tax break boosts your super income
Salary sacrificing easily lowers your tax rate while growing your nest egg.
Older Aussies embrace empty nests

Older Aussies embrace empty nests
Getting kids out of the family home contributes to financial and social freedom.
Energy prices hit pensioners hard

Energy prices hit pensioners hard
Householders’ income spent on energy in Australia is surging, says ACOSS.
How to ensure income for life

How to ensure income for life
Can Constrained Couple structure their saving to ensure they don’t run out of money?
Pay bills and have money to spare

Pay bills and have money to spare
Paula struggles from week to week to pay essential bills. We sought some advice.
Lifeline for struggling retirees

Lifeline for struggling retirees
Retirees are turning to the sharing economy to boost their income.
Calls to ban for-profit super funds

Calls to ban for-profit super funds
ALP senate candidate urges industry super funds to force companies to pay tax.
Retirees' cash being chipped away

Retirees' cash being chipped away
Retirees face dilemma as low interest rates rob them of income from savings.
Have your say on super boost

Have your say on super boost
Chance to tell Treasury what you really think of the work test for superannuation.
Who can you trust with your money?

Who can you trust with your money?
There is a way to rebuild trust in the financial planning sector, a peak body ...
Main drain on retirement savings

Main drain on retirement savings
Research reveals that rising energy costs are hurting retirees the most.
ATO sets its sights on super

ATO sets its sights on super
The Australian Tax Office is targeting self-managed super funds.
How to stretch your holiday money

How to stretch your holiday money
Our currency might be weak, but there are still ways to stretch your holiday money.
Aussies urged to claim their share

Aussies urged to claim their share
Australians urged to claim their share of $1.1 billion in unclaimed money.
Do you have retirement concerns?

Do you have retirement concerns?
Most retirees are concerned that their savings will not last in retirement.
New bid to block retiree refunds

New bid to block retiree refunds
Treasurer orders committee to probe if retirees really rely on franking credits.
Your postcode can ruin retirement

Your postcode can ruin retirement
Report shows super funds may be failing members in predicting retirement costs.
The issue with insurance fine print

The issue with insurance fine print
Government-mandated insurance disclosure doesn’t help make purchasing decisions.
How to get your money back

How to get your money back
Retailers can’t refuse refunds, no matter how many signs to the contrary they show.
How much stuff do Aussies hoard?

How much stuff do Aussies hoard?
Australia is a nation of hoarders with up to $4200 worth of unwanted goods at ...
Super funds drag feet on gripes

Super funds drag feet on gripes
New body for superannuation complaints to go live, but funds go missing.
How to tell if your card is hacked

How to tell if your card is hacked
Banks can’t fight online credit card fraud alone, and neither can you.
Older Aussies want to leave a legacy

Older Aussies want to leave a legacy
Leaving a financial legacy is becoming less important to older Australians.
New minister to fix super for all

New minister to fix super for all
New Assistant Treasurer Stuart Robert says he will focus on fixing super for all.
Make your garden grow money

Make your garden grow money
Find the treasure chest bursting with riches at the bottom of your garden.
Costs delaying your retirement

Costs delaying your retirement
Aussies are working more years before retirement. Here’s why.
Grandfathered commissions stopped

Grandfathered commissions stopped
The National Australia Bank announces it will stop taking grandfathered commissions.
Richest man wants your super

Richest man wants your super
Super chief wants pension funds to lend to business when banks refuse.
Six effective ways to spend less

Six effective ways to spend less
If sticking to a budget is a struggle for you, try these ways to curb ...
The crippling cost of divorce

The crippling cost of divorce
The price you pay for dissolving a marriage begins with unavoidable court fees.
Super grows 8 per cent wealthier

Super grows 8 per cent wealthier
Despite the growth spurt, superannuation fund payouts slide nearly five per cent.
Reverse mortgages concern ASIC

Reverse mortgages concern ASIC
Older Australians are increasingly turning to reverse mortgages to fund their retirement.
Get your funeral plans sorted

Get your funeral plans sorted
Will your loved ones be able to afford your funeral?
Govt wants to help you make money

Govt wants to help you make money
Government launches financial literacy plan to make Australians $200 billion richer.
Finance industry watchdogs savaged

Finance industry watchdogs savaged
Findings of bad behaviour ranging from disappointing to downright shocking.
Massive sting targets ATMs

Massive sting targets ATMs
Banks are on alert for a co-ordinated cyber attack plan to target their ATMs.
Beware this realistic fake bill scam

Beware this realistic fake bill scam
Emails claiming to be from Optus are the latest scam threat to watch out for.
Explained: get a pension top up

Explained: get a pension top up
If you receive less than a full pension, the Government may lend you some money.
Super inquiry week one wrap up

Super inquiry week one wrap up
Bank-owned funds’ bad behaviour exposed in probe.
Seniors steadying property market

Seniors steadying property market
Older Australians are the reason Australia’s property prices won’t dive.
Do you qualify for a PCC?

Do you qualify for a PCC?
Bob’s wife is eligible for concessions even though she’s not an age pensioner.
When to check your pension

When to check your pension
Your pension is not always static, so how often should you check for changes?
Are your super fund fees fair?

Are your super fund fees fair?
Comparing super fund fees is no easy task if you want to shop around for ...
Commbank takes hit over laundering

Commbank takes hit over laundering
Corporate fines cost Commbank a record profit, new chief executive laments.
Top 20 funds really ripping you off

Top 20 funds really ripping you off
Members matter when it comes to claims of high fees charged by super funds.
Increase the value of your home

Increase the value of your home
Choose the wrong colour and you could actually decrease the value of your home.
Govt bank response falls short

Govt bank response falls short
Treasurer says customers “complicit in allowing the deck to be stacked against us”.
Four rules for property renovation

Four rules for property renovation
How do you ensure that you don’t end up over-capitalising your renovation?
A shock to the super system

A shock to the super system
Australia’s $2.6 trillion super industry may be in for a shock.
Explained: slash car repair costs

Explained: slash car repair costs
This is how to avoid becoming a victim of expensive rorting by car mechanics.
Super funds ‘exploiting’ members

Super funds ‘exploiting’ members
ASIC chairman reminds sector it is built on other people’s money.
Manage money with minimal effort

Manage money with minimal effort
Who wants to spend valuable time worrying about balancing the budget?
Super fees likely to increase: APRA

Super fees likely to increase: APRA
APRA confirms that Government moves could increase super fund fees.
Aussies stung by credit card fees

Aussies stung by credit card fees
Should you use a credit or debit card, or put your money in a pre-paid ...
The price of financial freedom

The price of financial freedom
How much you think you’d need to be financially free in retirement?
Future is bright for Aussie super

Future is bright for Aussie super
SuperRatings says fund members can expect a much better second half of 2018.
Retirement income plan unnerving

Retirement income plan unnerving
Government’s proposed retirement income framework is making Australians nervous.
Know your pension entitlements

Know your pension entitlements
Here are the latest government updates to help you stay on track.
What guarantees happy retirement?

What guarantees happy retirement?
Money doesn’t guarantee a happy retirement. Here’s what does.
Woman fails to lodge 91 tax returns

Woman fails to lodge 91 tax returns
Court orders 12-month suspended sentence for woman who defied the ATO.
Research reveals retiree spending

Research reveals retiree spending
Retirees spending less than the Age Pension, even though they can afford to spend more.
Pay off solar sooner than you think

Pay off solar sooner than you think
Will you ever be able to pay off a solar installation in time to enjoy ...
AIA National Investors Conference

AIA National Investors Conference
YourLifeChoices subscribers are invited to attend the AIA National Investors Conference.
The reason Aussies overspend

The reason Aussies overspend
The decreasing reliance on cash is leading people to lose control of their finances.
Major banks in trouble over super

Major banks in trouble over super
Customers sold super products from staff unauthorised to provide advice.
Energy prices explained

Energy prices explained
Cutting through the waffle to explain how energy pricing works.
Noel's tips for cash-strapped duo

Noel's tips for cash-strapped duo
When is the right time for this cash-strapped couple to sell their second house?
Super fund blitzes the competition

Super fund blitzes the competition
One Australian super fund is outperforming the pack by a significant margin.
Clearing debt on an Age Pension

Clearing debt on an Age Pension
Getting out of debt is about recognising the problem and taking steps, says expert.
100,000 pensioners lose funding

100,000 pensioners lose funding
Home-care packages promised to 100,000 eligible retirees will now be dropped.
What the ATO will target this year

What the ATO will target this year
Cryptocurrency and Uber claims join the income tax return hit list.
Super funds risking your money

Super funds risking your money
Funds are investing in products like the ones that led to the Global Financial Crisis.
Make your council rates affordable

Make your council rates affordable
There are a number of ways to remove the sting of your council rates.
Smart ways to keep extra cash

Smart ways to keep extra cash
Be in the best position you can as the new financial year begins with this ...
When death is not a tax deduction

When death is not a tax deduction
How to know if an estate needs to lodge an income tax return.
Prepare for ‘Aldi on steroids’

Prepare for ‘Aldi on steroids’
German discount superstore Kaufland is coming to Australia.
Super scammers target savings

Super scammers target savings
Scammers encouraging people to access their retirement savings early.
Would a trust benefit your family?

Would a trust benefit your family?
Can trusts keep avoiding $3.5b in taxes and Bill Shorten’s threats to make them pay?
How tax cuts will affect you

How tax cuts will affect you
The Government’s tax package promises short-term gains but long-term pain.
Aussie super funds bounce back

Aussie super funds bounce back
Super funds bounced back in May despite global tensions shaking the market.
How to have that tricky money talk

How to have that tricky money talk
Choose your words carefully when talking money with your elderly parents.
A sector you trust less than banks

A sector you trust less than banks
Discounting not understood, satisfaction in freefall.
Super fund calls for tougher rules

Super fund calls for tougher rules
Real Estate Industry Super calls for stricter controls on self-managed super funds.
Are you trapped by your spending?

Are you trapped by your spending?
By identifying your spending personality, you can turn your savings around.
The reason why you can’t save

The reason why you can’t save
Identify your spending profile and start saving.
Banks want to stop elder abuse

Banks want to stop elder abuse
Banks claim they are best placed to stop growing problem of financial abuse of the ...
Simple tips for big savings

Simple tips for big savings
Even retirees on a budget should follow these simple savings tips.
The one credit fix you don’t need

The one credit fix you don’t need
Don’t pay to fix your bad credit rating, warns ASIC.
How responsible is your super?

How responsible is your super?
Responsible Investment Association ranks the most ethical super funds.
What’s the value of your house?

What’s the value of your house?
If you are preparing to downsize, how do you calculate what your house is worth?
The rich get richer

The rich get richer
Australia’s richest added $49.6 billion to their collective coffers.
Lending your child a helping hand

Lending your child a helping hand
Younger people are finding it harder to break into the property market, but you can ...
Super – who gets what?

Super – who gets what?
How can you make sure your family receive your fortune?
CBA fee hike an out-and-out gouge

CBA fee hike an out-and-out gouge
CommBank tells customers they will foot the $80m bill for regulatory compliance.
Making a universal pension work

Making a universal pension work
Australia should follow Danish approach to pensions to achieve fairer outcomes.
When should you review your will?

When should you review your will?
The slightest error could void your will. And once you’re gone, you can’t fix it.
Planned change to pension revealed

Planned change to pension revealed
Superannuation funds will be forced to offer lifetime income streams to members.
10 terrible spending habits

10 terrible spending habits
Spending less than you earn sounds easy, but there are traps out there.
Super funds return to riches

Super funds return to riches
Two months of losses reversed by superannuation funds as shares pile on the fat.
Post-Budget, this is what counts

Post-Budget, this is what counts
Now that the Budget 2018 dust has settled, we reveal what matters most for retirees.
Budgeting for lifelong income

Budgeting for lifelong income
There is a view that forcing retirees to buy annuities will wean them off the ...
‘Budget fails 12% of pensioners’

‘Budget fails 12% of pensioners’
Government admits 300,600 pensioners spend more than a third of income on housing.
Energy cop damning on retailers

Energy cop damning on retailers
Watchdog report shows power retailers need to lift their game, says Energy Minister.
Are your savings at risk?

Are your savings at risk?
CommBank admits to losing data of around 20 million customer accounts.
How deeming rates affect you

How deeming rates affect you
Each year, tweaks to the deeming rate formula erode some pension entitlements
Super slump continues

Super slump continues
Australian super funds suffer second monthly decline in returns but there's still good news.
Recouping your lost AMP money

Recouping your lost AMP money
A Sydney law firm has begun investigating a class action against AMP.
How upsizing protects your pension

How upsizing protects your pension
Retirees are buying bigger homes to protect their pensions and investments.
Get tax right and triple the pension

Get tax right and triple the pension
The Government's defence of proposed company tax cuts is becoming untenable.
Financial literacy is a minefield

Financial literacy is a minefield
Lynne Dorney describes financial literacy as a minefield and has asked us for help.
Retirees’ cost of living rising

Retirees’ cost of living rising
Household costs for age pensioners rose 0.6 per cent in the December 2017 quarter.
Which plans are most baffling?

Which plans are most baffling?
Olga Galacho reveals the plans and products that are most confusing.
Pension changes March 2018

Pension changes March 2018
We keep you up to date with retirement income changes and updates.
The costs that cut deepest

The costs that cut deepest
Where does your money go? We ask economist Matt Grudnoff for some answers.
Understanding annuities

Understanding annuities
Annuities are becoming a popular means of ensuring a reliable income stream.
‘Lying’ bank bosses may be jailed

‘Lying’ bank bosses may be jailed
Scott Morrison ‘deeply disturbed’ about banking royal commission confessions.
Could your fund perform better?

Could your fund perform better?
Super funds need more access to members’ financial data, says expert.
Super shocked by shaky market

Super shocked by shaky market
Super fund holders look for ways to subvert a shaky share market.
Fears for financial decision making

Fears for financial decision making
Dementia will have dire consequences for financial decision making, report says.
Next RBA rate hike will shock

Next RBA rate hike will shock
The next cash rate hike will come as a shock, says RBA boss.
Banks to be grilled on poor advice

Banks to be grilled on poor advice
Banking inquiry will probe systematic failures in financial advice divisions.
Not such a super idea

Not such a super idea
Expert analyses the pros and cons of lifting the preservation age.
Deeming rates: are they too high?

Deeming rates: are they too high?
Like many retirees, Karen believes that deeming rates are simply too high.
Minister lashes out at super funds

Minister lashes out at super funds
Minister tells retirees to save more while taking swipe at superannuation chiefs.
Government aiding failing banks

Government aiding failing banks
Richard Di Natale will reveal plans for a people's bank and universal basic income.
How to find your tax refund

How to find your tax refund
You may not realise you are owed a refund from company tax paid on your ...
Bury big business tax cuts for good

Bury big business tax cuts for good
The case for corporate tax cuts is flawed and will hurt ordinary Australians.
What to do about healthcare hike

What to do about healthcare hike
Private health insurance is the biggest challenge for retirees.
Politicians’ views on Age Pension

Politicians’ views on Age Pension
Politicians have avoided talking about Age Pensioners, so we asked them to speak up.
Beginners’ Guide: super funds

Beginners’ Guide: super funds
As you near retirement, you need to think carefully about how to draw on your ...
Has retirement made you a scrooge?

Has retirement made you a scrooge?
Some retirees become so good at saving for retirement that they forget to enjoy it.
Experts explain franking credits

Experts explain franking credits
The franking credits fiasco has become more complicated than necessary.
What CBA hid from pensioners

What CBA hid from pensioners
The Commonwealth Bank failed to act in the best interests of customers.
Do you need a money coach?

Do you need a money coach?
Just like playing an instrument, knowing how to manage your money better is a learned ...
Retirees could escape 'tax grab'

Retirees could escape 'tax grab'
Labor's election win prompts Bill Shorten to forge ahead with unpopular tax grab.
The risk in switching super funds

The risk in switching super funds
February delivers negative return but long-term performance still positive.
Cracks in 'Bank of Mum and Dad'

Cracks in 'Bank of Mum and Dad'
Well-meaning loans are leading to legal disputes and fractured families.
Simplifying forex trading

Simplifying forex trading
Compare Forex Brokers can answer all your currency trading questions.
Renovate to maximise sale price

Renovate to maximise sale price
Renovations are about adding real value to your property when it is time to sell.
How to pass your assets on to your kids

How to pass your assets on to your kids
The move that allows you to pass property to your kids without upsetting Centrelink.
This retail therapy will kill debt

This retail therapy will kill debt
Make this strategy a monthly habit and watch your savings grow and clutter disappear.
How to budget without the pain

How to budget without the pain
Making and sticking to a budget isn’t easy, but there are ways to ease the ...
Get tough with your planner

Get tough with your planner
Ask these questions before you make a decision.
Insurers asked to stop rorting

Insurers asked to stop rorting
Call for insurance rule exemption that disadvantages policyholders to be dropped.
Corporate tax in Australia a joke

Corporate tax in Australia a joke
The list of Australian companies that don’t pay any tax is simply gobsmacking.
Tax breaks could make super worse

Tax breaks could make super worse
Superannuation system still failing Australia’s poorest: Grattan.
How your money works in retirement

How your money works in retirement
The lifestyles afforded the haves and the have-nots are poles.
The retirement income story

The retirement income story
Retirees are living on the edge, what is the solution?
Save your family money and heartache

Save your family money and heartache
A pre-paid funeral ensures you get the funeral you want, while containing costs for you ...
Retirees share their journeys

Retirees share their journeys
We asked for your stories if you were finding life as a retiree challenging.
How to fix the Age Pension

How to fix the Age Pension
Retirees are hurting with one in four now living in poverty in Australia.
Government update 2018

Government update 2018
Part of making retirement affordable requires fully understanding your entitlements.
Six tips to fix your finances

Six tips to fix your finances
Smartwealth’s Justin McMillan shares six simple tips to improve your finances in 2018.
Home renovation traps

Home renovation traps
If you are thinking of renovating before downsizing, be sure to avoid these traps.
Aussies should live longer: report

Aussies should live longer: report
Innovation chief calls on Government to encourage genomics study to boost longevity.
How to time your retirement

How to time your retirement
Many retire as soon as they hit retirement age, but is there a better way?
ASIC takes CommBank to court

ASIC takes CommBank to court
ASIC commences civil proceedings against CommBank over alleged rate manipulation.
Should you declare an inheritance?

Should you declare an inheritance?
Kate wants to know if she needs to declare an inheritance to Centrelink.
ASIC slams planners’ bias

ASIC slams planners’ bias
ASIC finds that financial advice given by banks is purely self-serving.
Bank practice putting seniors at risk

Bank practice putting seniors at risk
Lenders to blame for the surging rates of mortgage stress.
An ethical way to make money

An ethical way to make money
Ethics beats traditional investments for superannuation funds.
How is your super fund stacking up?

How is your super fund stacking up?
Industry super funds continue to outperform retail funds and the gap is widening.
Is Bitcoin a good investment?

Is Bitcoin a good investment?
What is Bitcoin and is it a smart investment for you?
How to splash someone else’s cash

How to splash someone else’s cash
Never before has paying your way through retail therapy been as convenient as today
Financial fraud costs super $103b

Financial fraud costs super $103b
Fraud and financial misconduct has cost Australian SMSF owners up to $103 billion.
Can I travel overseas?

Can I travel overseas?
James wants to know if a second overseas trip will affect his Age Pension.
Seniorpreneurs taking over

Seniorpreneurs taking over
Australians aged 55 to 64 are the fastest growing group of entrepreneurs in Australia.
Bank cuts to hit older Australians

Bank cuts to hit older Australians
The Big Four banks are penalising loyal customers in favour of new business.
Are any cash jobs legal?

Are any cash jobs legal?
Don’t forget to tell the taxman about your cash-in-hand bonus.
Assets test changes ruining retirement?

Assets test changes ruining retirement?
Changes to the Age Pension rules are having a detrimental effect on retirees.
Set your dream retirement nest egg

Set your dream retirement nest egg
Calculate whether your super and pensions will deliver your desired lifestyle
Why Aussies raid their super early

Why Aussies raid their super early
There has been a rapid increase in the number of Australians dipping into super early.
Crackdown on credit card offers

Crackdown on credit card offers
Revamped code of conduct seeks to rebuild trust in banks.
NAB caught overcharging interest

NAB caught overcharging interest
A recent investigation reveals NAB overcharged some of its home loan customers.
Set your financial goals for 2018

Set your financial goals for 2018
ASIC is encouraging Australians to start the New Year by setting financial goals.
Immigration may save your pension

Immigration may save your pension
Women and young migrants are easing the burden on Australia’s pension system.
Ensure your fund is fighting fit

Ensure your fund is fighting fit
Super fund returns may hit double digits, but don’t become complacent.
Paying with your face, would you?

Paying with your face, would you?
Is facial recognition technology the future of secure payment?
Water bills set to double

Water bills set to double
Infrastructure Australia report makes dire prediction about future costs.
Get money back when you shop

Get money back when you shop
Online stores will allow you to grab a discount via cash-back websites.
Could Bitcoin save your retirement?

Could Bitcoin save your retirement?
There are rumblings that we could see bitcoin used for retirement accounts.
Car insurance rip-offs

Car insurance rip-offs
Don’t get taken for a ride by shonky salesmen selling junk car insurance.
How to get free shipping

How to get free shipping
New Australia Post product means you can dodge shipping fees this Christmas.
Five unexpected retirement expenses

Five unexpected retirement expenses
No matter how good your planning is, there are always unforeseen expenses.
Turnbull pens bank probe script

Turnbull pens bank probe script
Turnbull launches ‘nothing to see here’ banking royal commission.
The political perspective

The political perspective
Let’s consider more closely the context of the PM’s apparent 180 degree change of direction. ...
Will my PCC be reinstated?

Will my PCC be reinstated?
Rob wants to know if he’ll have his Pensioner Concession Card reinstated.
Turnbull backflips on banks probe

Turnbull backflips on banks probe
Government concedes speculation could not go on.
The letter that started it all

The letter that started it all
Read the letter that launched a royal commission into the banking and finance sector.
Public reaction is priceless

Public reaction is priceless
Australians have long called for a royal commission and now that they have one …
Concerns about retirees’ spending

Concerns about retirees’ spending
Retirees spending big for fear they’ll run out of life before they run out of ...
Big business is after your super

Big business is after your super
Australia’s richest get together to ‘scheme’ for your super.
Millionaire factory fleeces savers

Millionaire factory fleeces savers
Macquarie Bank refuses to explain why it is slashing payments on savings accounts.
Beware Xmas surcharge rip-off

Beware Xmas surcharge rip-off
ACCC cracks down on excessive payment surcharging.
Origin fails those in hardship

Origin fails those in hardship
Origin Energy fined for failing to provide financial hardship assistance.
Massive windfall for super funds

Massive windfall for super funds
Australia’s top super funds reporting massive windfalls due to bullish market.
Justice for ripped-off retirees

Justice for ripped-off retirees
Former financial planner imprisoned for stealing almost $10 million from retirees.
True cost of village life exposed

True cost of village life exposed
Mathematician develops tool to expose the true cost of retirement village living.
Boomers’ biggest retirement fear

Boomers’ biggest retirement fear
Study shows that sudden financial shocks top the list of retirement fears.
Aussie’s food cravings cost millions

Aussie’s food cravings cost millions
Australians are spending a small fortune to satisfy their food cravings, says CommBank.
Things your banker won’t tell you

Things your banker won’t tell you
Bankers are just salespeople, and other important lessons you need to know.
Which assets should you sell first?

Which assets should you sell first?
Deciding to sell assets can be very difficult. What should you sell first?
Car insurance costs don’t add up

Car insurance costs don’t add up
Anti-poverty group urges rethink of vehicle insurance to increase fairness.
Avoid a nasty retirement shock

Avoid a nasty retirement shock
The latest Superannuation Funds Tribunal report reveals common super complaints.
When to let go of an investment

When to let go of an investment
Volatility can make set-and-forget investing worse for your returns
How to pay less for the car you want

How to pay less for the car you want
If you are looking to buy the car of your dreams, now could be the ...
Do you need your extras?

Do you need your extras?
Private health insurance is increasingly expensive; are your extras giving you value?
How your spending will change

How your spending will change
Living longer than previous generations comes at a price.
Managing the costs of healthcare

Managing the costs of healthcare
Medical costs are a great worry to retirees, especially those facing failing health.
How do you manage your power?

How do you manage your power?
We asked YourLifeChoices members to share their tips for managing power usage.
How to cope when rates rise

How to cope when rates rise
Noel Whittaker has a simple tip for managing your mortgage when rates rise again.
Should Govt manage default super?

Should Govt manage default super?
Peter Costello calls on the Government to take control of default super.
CommBank slashes interest on cards

CommBank slashes interest on cards
Commonwealth Bank slashes credit card interest by 25 per cent.
Is your fund ‘stealing’ from you?

Is your fund ‘stealing’ from you?
Report reveals the super funds that charge high fees and deliver low returns.
What are the chances?

What are the chances?
Statistically speaking, the following six things are more likely than winning the lotto.
No faith in financial planners?

No faith in financial planners?
Should we tar all financial planners with the same brush?
Applying for a personal loan

Applying for a personal loan
Simple loan application tips to ensure that you don’t fall into any financial traps.
Shop around for best savings rates

Shop around for best savings rates
There are some deeming accounts still paying 3.25 per cent interest on your savings.
Is it too late to start investing?

Is it too late to start investing?
Have you left it too late to begin buying investments?
Earn up to $3250 extra Age Pension

Earn up to $3250 extra Age Pension
How you can work around the Work Bonus and earn up to $3250 extra Age ...
Big Four banks scrap ATM fees

Big Four banks scrap ATM fees
Australia’s Big Four banks to scrap $500 million worth of ATM fees.
Investment scheme robbing Aussies

Investment scheme robbing Aussies
Older Australians are losing their life savings to a global investment scam.
$100 billion nixed from nest eggs

$100 billion nixed from nest eggs
Individual retirees could lose as much as $270,000 as a result of super wipeout.
Govt out of step on energy prices

Govt out of step on energy prices
A new poll shows a clear majority of Australians want energy prices regulated.
Apartment downturn could impact super

Apartment downturn could impact super
How will the slowdown in the apartment market affect the economy?
Is this the fix for unpaid super?

Is this the fix for unpaid super?
Plan to align superannuation guarantee payments to the wage cycle.
Can you demand a refund?

Can you demand a refund?
If you want a refund for add-on junk insurance, here’s what you need to know.
Mum and Dad make up the ‘Big Five’

Mum and Dad make up the ‘Big Five’
In 2016, parents lent $65.3 billion to children with 67 per cent not expecting repayment.
Retirees urged to watch their wallet

Retirees urged to watch their wallet
The ‘bank of mum and dad’ is one of Australia’s most significant lenders.
CBA share slide eats into super

CBA share slide eats into super
The CBA share price slide is eroding the life savings of millions of Australian retirees.
Is there any value in reward cards?

Is there any value in reward cards?
New research reveals that the average value of rewards cards has dropped.
How to deal with overwhelming debt

How to deal with overwhelming debt
Mick Bellairs from Consumer Action Law Centre explains how to manage overwhelming debt.
Being an executor: what’s involved?

Being an executor: what’s involved?
Rod Cunich discusses what’s involved in being an executor.
Are you a CBA scandal victim?

Are you a CBA scandal victim?
Commonwealth Bank announces refund program for customers and staff.
CBA to block executive bonuses

CBA to block executive bonuses
Commonwealth Bank board takes action over AUSTRAC scandal.
Will CBA scandal break the bank?

Will CBA scandal break the bank?
The CBA has allegedly enabled criminal syndicates to launder millions of dollars.
HILDA shows threat to Age Pension

HILDA shows threat to Age Pension
The latest HILDA survey reveals a trend that may threaten the retirement income system.
10 fees you shouldn’t be paying

10 fees you shouldn’t be paying
Here’s a handy list of fees that you simply should not be paying.
Labor pledges trust crackdown

Labor pledges trust crackdown
The ALP wants to impose a 30 per cent tax rate on family trusts.
Superannuation fund law overhaul

Superannuation fund law overhaul
The Federal Government has announced an overhaul of laws governing super funds.
Super funds deliver $140b windfall

Super funds deliver $140b windfall
Australian super funds deposit $140 billion into the retirement kitty.
5 questions to ask your planner

5 questions to ask your planner
Here are five important questions retirees forget to ask their planner.
Australians are getting poorer

Australians are getting poorer
Household gross disposable income has declined for the second time in three years.
Would you pay this woman’s rent?

Would you pay this woman’s rent?
A Bondi student has started a crowdfunding page to help pay her rent.
You’re paying for return to surplus

You’re paying for return to surplus
Parliamentary Budget Office report shows that the nation’s tax burden is now on you.
Layered approach for retirement income

Layered approach for retirement income
The need to provide for a longer retirement has become more critical than ever.
EOFY brings many changes

EOFY brings many changes
It’s the end of the financial year, and the beginning of a many money changes ...
Household debt at an all-time high

Household debt at an all-time high
RBA dilemma: raising interest rates may help the economy but cripple many households.
Seven common retirement mistakes

Seven common retirement mistakes
When it comes to retirement, knowing what not to do is just as important as ...
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 ...
Does a single will cover all my offshore assets?

Does a single will cover all my offshore assets?
Does an Australian will cover your offshore assets as well?
Rod Cunich explains trusts

Rod Cunich explains trusts
Determining how to pass your inheritance on to the next generation is a difficult decision ...
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 ...
Are you in the ATO's sights?

Are you in the ATO's sights?
If you own a rental property, you’ll be in the ATO’s crosshairs come tax time.
ATM skimming explained

ATM skimming explained
ATM skimming scammers cost Australians close to $40 million a year.
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.
Moves to outlaw fees for paper bills

Moves to outlaw fees for paper bills
Draft laws propose banning companies from charging for paper statements.
Savers losing interest and money

Savers losing interest and money
Interest earned on savings accounts too low to keep up with inflation.
Super Ombudsman funding cut

Super Ombudsman funding cut
The Superannuation Complaints Tribunal has its funding halved.
How much will the bank levy cost you?

How much will the bank levy cost you?
The Australia Institute has calculated how much the bank levy will cost if it’s passed ...
ASIC warns of new trust fund scam

ASIC warns of new trust fund scam
ASIC urges public to be wary of cold callers threatening access to their funds.
Is some of this $1.1 billion yours?

Is some of this $1.1 billion yours?
ASIC urges Australians to do a search to find if they are owed missing money.
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 ...
Government’s $427m travel bill

Government’s $427m travel bill
The government travel system bill for 2015–16 totalled $427 million.
Is one executor of a will enough?

Is one executor of a will enough?
Rod Cunich answers your questions and simplifies the intricacies of estate planning.
Should we keep the deficit levy?

Should we keep the deficit levy?
Labor questions the PM giving millionaires a $16,400 handout at the expense of the poor.
What about Capital Gains Tax?

What about Capital Gains Tax?
Rod Cunich answers some tricky questions, including how CGT affects an inheritance.
Difficulties paying energy bills

Difficulties paying energy bills
What can you do if you’re experiencing utility bill payment difficulties?
Retirees pessimistic about future

Retirees pessimistic about future
Survey shows that Australian retirees are the happiest people in the nation.
Avoiding debt disaster

Avoiding debt disaster
Did you know that Australians owe over $50 billion on their credit cards?
You should be paying less for power

You should be paying less for power
Australian electricity providers are enjoying ridiculous profits at the expense of consumers.
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.
Aussies don’t trust banks with super

Aussies don’t trust banks with super
Seven out of 10 Australians do not trust banks to manage their super.
Social planning for retirement

Social planning for retirement
Most people think money is the most important part of preparing for retirement.
A way to reduce assessable assets

A way to reduce assessable assets
There is one step people can take to reduce their assets tested.
Sunday pay cuts for Aussie workers

Sunday pay cuts for Aussie workers
The cuts to Sunday penalty rates will hit retail workers hardest.
PM takes credit for interest rate cut

PM takes credit for interest rate cut
PM Malcolm Turnbull says no need for royal commission after ANZ rate cut.
A simple way to save $800 a year

A simple way to save $800 a year
A simple trick that could save you hundreds.
Money management for one

Money management for one
Here are some simple money management tips for singles.
How to buy a used car

How to buy a used car
What are the key things to keep in mind when buying a second-hand car?
Australia’s mortgage nightmare

Australia’s mortgage nightmare
Australian homeowners are among the world's most indebted with $1 trillion in borrowings.
Seniors Card 2017 discounts

Seniors Card 2017 discounts
Discover the most up-to-date Seniors Card discounts for 2017.
Is bankruptcy the only option?

Is bankruptcy the only option?
Is this extreme course of action the only answer?
The big super rip off

The big super rip off
Thousands of Australians’ super accounts have been short-changed by employers.
Not enough money for retirement

Not enough money for retirement
Australians will retire later with insufficient superannuation balances.
Three new ways to shop second-hand

Three new ways to shop second-hand
Discover five high-tech ways to buy second-hand and save.
Cutting bank fees in 2017

Cutting bank fees in 2017
Embrace the online banking revolution and pay no account fees in 2017.
Five steps to a better financial future

Five steps to a better financial future
Five tips to help you take control of your finances.
How to be richer this time next year

How to be richer this time next year
These seven tips should see you be richer in a year's time.
How long will your super last?

How long will your super last?
We show you how to get an idea of long your super will last.
Don’t fall for these money schemes

Don’t fall for these money schemes
Three money-making schemes that people still fall for.
Guide to buying second hand

Guide to buying second hand
Just after the holiday season is a great time to buy second-hand things.
Energy bills to rise next year

Energy bills to rise next year
Household power bills in eastern states will rise by an extra $78 from mid next ...
Divorce hits retirement savings

Divorce hits retirement savings
New report reveals it takes divorcees five years to regain control of finances.
Five best retirement calculators

Five best retirement calculators
We’ve rounded up the top five free retirement calculators on the internet.
Navigating the execution of a will

Navigating the execution of a will
Rod Cunich guides you through the execution of a will.
Banking tribunal “not needed”

Banking tribunal “not needed”
'Experts' advise the Government not to go ahead with a banking tribunal.
New SACC laws oust dodgy lenders

New SACC laws oust dodgy lenders
New laws will prevent vulnerable Aussies from being ripped off by dodgy lenders.
Malcolm Turnbull’s “toothless tiger”

Malcolm Turnbull’s “toothless tiger”
What would happen if the big four banks controlled your super?
Investing for (total) beginners

Investing for (total) beginners
Rachel investigates whether an app can really turn you into a savvy investor.
Clear credit card debt by Christmas

Clear credit card debt by Christmas
You can clear credit card debt by Christmas. Here’s how …
Watchdog to oversee finance sector

Watchdog to oversee finance sector
Government to introduce new body to oversee the financial advisory sector.
Industry or retail fund?

Industry or retail fund?
Have you ever wondered why some super funds outperform others?
Baby boomers' financial needs

Baby boomers' financial needs
We set about discovering the hopes, fears and motivators of those in retirement.
Should I sign as a guarantor?

Should I sign as a guarantor?
Going guarantor: what you need to know before signing someone else’s home loan.
Is your bank super costing you $100k?

Is your bank super costing you $100k?
By choosing the wrong super fund, people in their 50s could lose $100,000.
What is the Saver Plus program?

What is the Saver Plus program?
The Saver Plus program will match your savings dollar for dollar up to $500.
What to do if you lose your card?

What to do if you lose your card?
What should you do when you lose your card?
Do you distrust your bank?

Do you distrust your bank?
New research shows high levels of public distrust about banks.
Preparing for the asset changes

Preparing for the asset changes
A prepaid funeral may help reduce your assessable assets.
AMEX’s new travel card

AMEX’s new travel card
AMEX’s new travel card could challenge options from the big four banks.
Best cheap cuts of meat: lamb

Best cheap cuts of meat: lamb
The least expensive cuts of meat can often be the tastiest.
Australia’s personal debt dilemma

Australia’s personal debt dilemma
Australian banks are reporting increasing levels of personal debt and loan defaults.
Government must 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
These five tips will help you manage your money when suffering memory loss.
PM demands banks pass on 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

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

Baby boomers feeling the pinch
Baby boomers are claiming lower levels of financial comfort in retirement.
Should you trust phone pay apps?

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

The best cheap cuts of meat: beef
The least expensive cuts of meat can often be the tastiest.
How liquid should you be?

How liquid should you be?
What is the ideal cash and assets mix? Money expert Chris Malloy has the answer.
Home ownership numbers dwindling

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 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?
Will the proposed changes to super have an impact on your retirement income?
How to spot an investment scam

How to spot an investment scam
How to spot the signs of an investment scam.
10 tips towards financial health

10 tips towards financial health
The start of the financial year is a great time to hit reset on your ...
What will your vote cost you?

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?

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 rate thresholds will change from 1 July 2016
Are you in the ATO's sights at tax time?

Are you in the ATO's sights at tax time?
The Australian Tax Office tells taxpayers what it’s targeting come tax time.
$4.3 billion wasted on interest fees

$4.3 billion wasted on interest fees
Why do Australians waste $4.3 billion each year on interest repayments?
Best deals for new wheels

Best deals for new wheels
June is considered one of the best times to buy a new set of wheels.
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
Interested in finding out how your current mortgage stacks up against those on the market?
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.
Financial assistance for grandparents

Financial assistance for grandparents
If you have responsibility for your grandchildren, what help is available?
Banks profit from rate cut delay

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

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?

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

Budget 2016 – what you want
What you want in Budget 2016 will change the face of retirement.
Company tax cuts not the answer

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

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

Your money milestones
Managing your money doesn’t get any easier as you get older, but there are certain ...
Retirement: the risk is all yours

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
Three quarters of Australians aged 45 and over dream of retiring early but can’t.
The continued rise of elder abuse

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
The new National Hardship Register has been created to help those struggling to pay off ...
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
The now has ACCC the power to fine companies charging excessive surcharges.
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?

Are you an emotional spender?
Emotional spending can impact on more than just your financial health.
Are you losing money from your super?

Are you losing money from your super?
Renewable investments outperformed fossil-fuel investments in 2015.
Super rich own 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

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

Comparing pet insurance
Pet insurance is now big business, but which policy should you choose?
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.
What charities do with your money

What charities do with your money
Where is your charitable donation going?
Calls for 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’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…
Don’t splash the cash this Christmas with our tips for frugal festivities.
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
These tips will help you to broach the difficult topic of money.
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
Divorce can be a lengthy and expensive process.
Money habits you need to break

Money habits you need to break
Do you need to break away from these five bad money habits?
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?
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’
Australians who are sticking with current service providers could be losing big bucks.
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
Twelve Pacific-rim nations have agreed upon the largest free-trade agreement in history.
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
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
Australians are carrying higher levels of debt into retirement than the previous generation.
$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?
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
The RBA has called out the big banks for not reducing rates on credit cards.
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
Why do industry super funds outperform retail?
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
Our finance expert Richard Shermon explains the finer points of retirement.
50 questions to ask an adviser

50 questions to ask an adviser
YourLifeChoices has 50 useful questions you may wish to ask.
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
Australians will have their superannuation made available as a self-funded pension.
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
Pretending that you earn less can save you money.
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
Asset-rich retirees have been receiving around $500 million in benefits per year.
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
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 has called on the banks to pass on the latest RBA rate cut to ...
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
How to protect your credit rating when living on a fixed income.
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

Quick guide to life insurance
Follow our easy to read guide on life insurance.
Ignorance is never bliss

Ignorance is never bliss
According to nearly 4500 respondents, the outlook is bleak.
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
Financial industry experts still have doubts over the integrity of many financial advisors.
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
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
Starting the year with a clean(er) slate will make you feel much better.
Breaking bad money habits

Breaking bad money habits
Understanding your bad money habits and how to fix them will help get your finances ...
Five ways to be money smart

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
Everyone has a favourite tip for saving money or reusing household goods.
Off-setting rental income

Off-setting rental income
What are the implications on the Age Pension of any rental income received?
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
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
Paul Clitheroe reviews the ten biggest retirement planning mistakes.
Financial health checklist

Financial health checklist
It is important to know if your finances are heading in the right direction. ...
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?
YOURLifeChoices member Tony is trying to reduce his debt by paying off some of his ...
Retirement 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
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?
YOURLifeChoices member Mary has recently separated from her husband. As she only received a small ...
$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
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?
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
Basil La Brooy highlights some of the ways NICRI can help you on your way ...
Check your credit rating

Check your credit rating
Do you know how good (or bad) your credit rating is?
The A-Z of superannuation

The A-Z of superannuation
Sometimes it seems that financial advisers speak a different language.
Leaving it all behind

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

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?

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

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
An effective way of reaching your retirement goal
Giving back to the community

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

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 shortfall solutions
The earlier you can start planning, the better your chances of meeting your retirement targets.
Age limit abolished

Age limit abolished
The Federal Government has announced that it will be abolishing the age limit for superannuation ...
Tips for purchasing life insurance

Tips for purchasing life insurance
According to a new study 85 per cent of Australians don’t feel that they ...
Feeling the mortgage pinch?

Feeling the mortgage pinch?
Steady interest rates may be helping those paying a mortgage but the increase in ...
Good housekeeping for SMSFs

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

Where there’s a will…
Whether you’re leaving your fortune to your grandchildren or the local cat shelter, making ...
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