Planning
THE 'HONEST' BROKER
What does money mean to you?
Marcus Padley Money is an amazing motivator; it causes us to do astonishing things. But does it make us happy?
ASK NOEL
Share trust an option for young saver
![Simon Letch illo
ask noel 16th October .jpg](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/10/15/4831113/rh-320-noel_20131015102112348396-90x60.jpg)
Noel Whittaker I am 17 and left school a bit over a year ago. I have managed to save $10,000 and was wondering what I should do with it?
BALANCING ACT
Mums get down to business
![Emma Walsh](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/10/12/4825490/Dan-20131012191506370349-90x60.jpg)
JOHN COLLETT Career skills are valuable, and more mothers are choosing not to set them aside.
YOUR QUESTIONS
Pension capitalisation taxable for under 60s
![Your Questions dinkus](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/09/17/4755729/Your%20Questions%20dinkus-90x60.jpg)
GEORGE COCHRANE My wife and I have our own SMSF. Can she 'commute' the pension and take capital out?
POINT SCORING
A mortgage sweetener they're hoping will fly
![Qantas.10 December 2010. pic by Peter Braig. Generic pic, aviation, jetstar, qantas, luggage, suitcase, travel, travelling, holiday, qantas frequent flyer.](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/10/08/4812584/rh-320-ALi_20131008122804149209-90x60.jpg)
Alexandra Cain It seems too good to be true but it's now possible to earn frequent flyer points by paying off your mortgage.
ASK NOEL
Is now a good time to buy a house?
![Simon Letch illo for Ask Noel Oct 9, 2013](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/10/08/4813111/rh-320-noel_20131008154750922760-90x60.jpg)
Noel Whittaker I'm trying to decide if now is a good time to buy somewhere to live. What would you suggest?
PENSIONS
GFC hits Australian retirees hardest
![Woolworths Supermarket Mona Vale
Photo Michele MOssop
Wednesday 29th April 2009
FIRST USE AFR
superannuation aged pension retiree elderly woman widow pensioner at the freezer cabinet
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John Collett Australian retirees have been the hardest hit by the global financial crisis, international study finds.
GETTING STARTED
Rates suggest it's a good time to fix
![generic
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David Potts Interest rates are moving - but this time it isn't down. Not that your bank will let you in on the secret.
RETRENCHMENT
Redundant and ready for action
![Competition; AFR news; 960804; Photo Jessica Hromas
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John Collett Redundancy can be traumatic but it can also be a chance to take a new direction and, if you’re lucky, to grab a big stack of cash.
PARTY PLANS
Thinking outside the lunch box
![Picture source unknown. Tupperware. Pictured is a woman with tupperware containers.](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/09/17/4754090/rh-320-plan_20130917122232613005-90x60.jpg)
Sylvia Pennington Thousands of Australians work in the sector - but is party planning a nice little earner, or an express way to lose friends and alienate acquaintances?
ECONOMY
Still some bang left in the mining boom
![David Potts](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2011/05/07/2349989/David%20Potts-90x60.jpg)
David Potts Judging by the sudden turn in the dollar's fortunes, it seems the mining boom is just having a rest.
YOUR QUESTIONS
Triggers and the bring-forward rule
![Your Questions with George Cochrane](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/08/31/4709889/George-Cochrane-90x60.jpg)
George Cochrane Do you understand how the bring-forward rule for non-concessional super contributions works?
WEALTH CHECK
The 10 biggest money mistakes
![Piggy boot camp.](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/09/14/4748065/ZAH_piggy_TN-20130914185129119541-90x60.jpg)
Nicole Pedersen-McKinnon Follow this routine and you'll be well on your way to getting your finances in shape.
FINANCIAL ADVICE
Advisors fail integrity survey
![Businessman holding a pen sitting at a desk. Generic paperwork, director, office work, white collar, boardroom. Tuesday 1 August 2006 BRW photo Louie Douvis AFR FIRST USE ONLY SPECIALX 54233](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/06/08/4474449/EBL-th-financial-adviser-20130608181909886930-90x60.jpg)
JOHN COLLETT Financial advisers are struggling to change perceptions about their professionalism.
SPREAD TOO THIN
A generation caught in the middle
![The Age 6/1/05 BUSINESS rlh040106.002.001 Generic shot of sandwich with money in it. For story on the expense of eating out rather than bringing lunch from home. Pic by Rebecca Hallas DIGICAM BUSINESS](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/09/10/4734303/rh-320-sandwich_20130910101039309086-90x60.jpg)
Kate Jones With their parents hitting old age and their kids still at home the sandwich generation are caring for others when they should be taking care of themselves.
LEAVING HOME
Aussies buy up bargains abroad
![TRA 11 OCT 08. Best time to travel. Farmhouse and cypress trees near Pienza Tuscany Italy. Supplied by iStockphoto, ok to re use.](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/09/10/4734306/rh-320-travel_20130910100658728528-90x60.jpg)
Christine Long Cheap property prices in crisis-hit Europe have got some Australians excited about picking up a holiday home bargain.
INHERITANCE
Where there's a will there's a long, long wait
![PIC JIM RICE. 13.05.08.. PIC SHOWS.. GENERIC .AGE CARE .RETIREMENT OLD PEOPLE. PENSIONS. POST .AUSTRALIA POST SPECIALX 84657](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/09/10/4734363/rh-320-old_20130910101927285126-90x60.jpg)
David Wilson You cannot count on a prospective bequest as an asset - a hard fact to accept for some.
Leaving home
Aussies buy up bargains abroad
![Greece](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/09/11/4738410/greece320-90x60.jpg)
Christine Long Cheap property prices in crisis-hit Europe have got some Australians excited about picking up a holiday home bargain.
CREDIT RATING
Hard truth on credit reports
![Generic bills.](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/09/07/4728108/ZAH_bills_TN-20130907184952959608-90x60.jpg)
JOHN COLLETT Financially stretched consumers would stop paying their mortgage before skipping their gas, insurance and phone bills.
WELL HEELED
Health cover is in your court
![Melissa Browne](http://web.archive.org./web/20131019121336im_/http://images.theage.com.au/2013/06/08/4475550/Melissa-Browne-90x60.jpg)
Melissa Browne Many people are only now seeing the effect of the recent changes to the private health insurance rebate when they lodge their tax return